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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 | $144,062 | $111,535+29.2% | $105,223+36.9% | $137,256+5.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.92% | 237.85%-221.9pp | 180.65%-164.7pp | 220.34%-204.4pp |
| Employer contribution / active EE | $3,359 | $3,939-14.7% | $3,689-8.9% | $4,156-19.2% |
| Participant deferral / active EE | $8,459 | $5,500+53.8% | $5,072+66.8% | $6,407+32.0% |
| Admin fee / account holder | $1,503 | $9,721-84.5% | $8,859-83.0% | $12,270-87.8% |