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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 | $144,756 | $197,603-26.7% | $177,827-18.6% | $158,950-8.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 36.20% | 58.76%-22.6pp | 48.32%-12.1pp | 302.91%-266.7pp |
| Employer contribution / active EE | $8,736 | $6,698+30.4% | $5,918+47.6% | $4,762+83.5% |
| Participant deferral / active EE | $20,541 | $8,404+144.4% | $7,713+166.3% | $5,983+243.3% |
| Admin fee / account holder | $3,174 | $15,402-79.4% | $12,429-74.5% | $11,248-71.8% |