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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 | $155,958 | $55,930+178.8% | $76,089+105.0% | $80,925+92.7% |
| Participation rate | 100.0% | 62.1%+37.9pp | 69.1%+30.9pp | 67.7%+32.3pp |
| Annual return | 13.97% | 20.58%-6.6pp | 360.94%-347.0pp | 35.65%-21.7pp |
| Employer contribution / active EE | $4,744 | $1,866+154.2% | $2,690+76.4% | $2,756+72.1% |
| Participant deferral / active EE | $3,597 | $3,051+17.9% | $4,259-15.5% | $4,299-16.3% |
| Admin fee / account holder | $4,105 | $5,241-21.7% | $6,418-36.0% | $6,940-40.9% |