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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 | $148,730 | $108,285+37.4% | $77,552+91.8% | $158,982-6.4% |
| Participation rate | 100.0% | 64.4%+35.6pp | 54.2%+45.8pp | 82.0%+18.0pp |
| Annual return | 15.35% | 31.69%-16.3pp | 54.82%-39.5pp | 302.99%-287.6pp |
| Employer contribution / active EE | $1,805 | $1,325+36.2% | $987+82.9% | $4,763-62.1% |
| Participant deferral / active EE | $7,712 | $2,455+214.1% | $1,861+314.4% | $5,983+28.9% |
| Admin fee / account holder | $4,583 | $3,709+23.6% | $2,859+60.3% | $11,252-59.3% |