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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 | $235,598 | $124,298+89.5% | $109,152+115.8% | $167,497+40.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.18% | 26.04%-12.9pp | 25.75%-12.6pp | 478.62%-465.4pp |
| Employer contribution / active EE | $3,920 | $4,208-6.8% | $3,722+5.3% | $4,838-19.0% |
| Participant deferral / active EE | $11,637 | $5,256+121.4% | $4,653+150.1% | $6,341+83.5% |
| Admin fee / account holder | $3,377 | $7,971-57.6% | $6,753-50.0% | $12,310-72.6% |