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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 | $136,430 | $116,203+17.4% | $93,621+45.7% | $152,909-10.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 21.19% | 35.96%-14.8pp | 32.76%-11.6pp | 345.46%-324.3pp |
| Employer contribution / active EE | $6,113 | $3,219+89.9% | $2,719+124.9% | $4,764+28.3% |
| Participant deferral / active EE | $9,037 | $4,605+96.3% | $4,070+122.1% | $5,851+54.4% |
| Admin fee / account holder | $1,000 | $10,751-90.7% | $7,890-87.3% | $11,601-91.4% |