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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 | $231,885 | $112,729+105.7% | $98,716+134.9% | $137,256+68.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 13.01% | 38.48%-25.5pp | 31.81%-18.8pp | 220.34%-207.3pp |
| Employer contribution / active EE | $10,916 | $2,725+300.6% | $2,279+379.1% | $4,156+162.7% |
| Participant deferral / active EE | $9,644 | $4,640+107.8% | $4,048+138.3% | $6,407+50.5% |
| Admin fee / account holder | $6,148 | $10,129-39.3% | $8,703-29.4% | $12,270-49.9% |