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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 | $128,189 | $78,423+63.5% | $95,964+33.6% | $79,856+60.5% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 12.32% | 19.37%-7.1pp | 91.64%-79.3pp | 31.71%-19.4pp |
| Employer contribution / active EE | $7,781 | $1,945+300.0% | $2,541+206.2% | $2,471+214.9% |
| Participant deferral / active EE | $4,090 | $3,440+18.9% | $4,167-1.8% | $3,741+9.3% |
| Admin fee / account holder | $4,071 | $5,622-27.6% | $6,797-40.1% | $5,306-23.3% |