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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $162,095 | $117,829+37.6% | $102,423+58.3% | $145,877+11.1% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 15.20% | 31.83%-16.6pp | 29.42%-14.2pp | 551.28%-536.1pp |
| Employer contribution / active EE | $4,308 | $3,615+19.2% | $3,023+42.5% | $4,663-7.6% |
| Participant deferral / active EE | $11,170 | $5,732+94.9% | $5,054+121.0% | $6,691+67.0% |
| Admin fee / account holder | $1,093 | $13,335-91.8% | $9,455-88.4% | $13,402-91.8% |