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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 | $130,304 | $117,829+10.6% | $102,423+27.2% | $145,877-10.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.86% | 31.83%-23.0pp | 29.42%-20.6pp | 551.28%-542.4pp |
| Employer contribution / active EE | $7,437 | $3,615+105.7% | $3,023+146.0% | $4,663+59.5% |
| Participant deferral / active EE | $4,278 | $5,732-25.4% | $5,054-15.4% | $6,691-36.1% |
| Admin fee / account holder | $730 | $13,335-94.5% | $9,455-92.3% | $13,402-94.5% |