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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 | $151,990 | $100,901+50.6% | $75,501+101.3% | $147,586+3.0% |
| Participation rate | 100.0% | 77.1%+22.9pp | 72.4%+27.6pp | 82.8%+17.2pp |
| Annual return | 18.32% | 35.78%-17.5pp | 27.35%-9.0pp | 578.59%-560.3pp |
| Employer contribution / active EE | $2,675 | $3,253-17.8% | $2,352+13.7% | $4,876-45.1% |
| Participant deferral / active EE | $11,948 | $4,027+196.7% | $3,142+280.2% | $5,439+119.7% |
| Admin fee / account holder | $4,731 | $11,285-58.1% | $5,801-18.4% | $10,886-56.5% |