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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 | $110,752 | $176,786-37.4% | $146,643-24.5% | $167,536-33.9% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 16.71% | 24.04%-7.3pp | 22.75%-6.0pp | 478.82%-462.1pp |
| Employer contribution / active EE | $18,920 | $5,161+266.6% | $4,137+357.4% | $4,839+291.0% |
| Participant deferral / active EE | $13,000 | $6,440+101.9% | $5,506+136.1% | $6,342+105.0% |
| Admin fee / account holder | $2,767 | $13,262-79.1% | $10,280-73.1% | $12,315-77.5% |