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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 | $131,896 | $111,535+18.3% | $105,223+25.3% | $137,256-3.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.35% | 237.85%-221.5pp | 180.65%-164.3pp | 220.34%-204.0pp |
| Employer contribution / active EE | $3,913 | $3,939-0.7% | $3,689+6.1% | $4,156-5.9% |
| Participant deferral / active EE | $14,063 | $5,500+155.7% | $5,072+177.3% | $6,407+119.5% |
| Admin fee / account holder | $8,104 | $9,721-16.6% | $8,859-8.5% | $12,270-34.0% |