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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 | $180,873 | $162,821+11.1% | $133,978+35.0% | $158,982+13.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 15.76% | 41.95%-26.2pp | 45.10%-29.3pp | 302.99%-287.2pp |
| Employer contribution / active EE | $6,113 | $4,976+22.8% | $3,919+56.0% | $4,763+28.3% |
| Participant deferral / active EE | $8,935 | $5,910+51.2% | $5,047+77.0% | $5,983+49.3% |
| Admin fee / account holder | $5,240 | $11,742-55.4% | $8,930-41.3% | $11,252-53.4% |