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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 | $131,667 | $185,312-28.9% | $161,489-18.5% | $154,746-14.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 11.98% | 103.84%-91.9pp | 89.72%-77.7pp | 172.34%-160.4pp |
| Employer contribution / active EE | $6,545 | $4,769+37.2% | $4,268+53.3% | $4,379+49.4% |
| Participant deferral / active EE | $2,252 | $6,350-64.5% | $5,630-60.0% | $6,730-66.5% |
| Admin fee / account holder | $5,171 | $18,654-72.3% | $16,006-67.7% | $14,365-64.0% |