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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 | $216,572 | $176,786+22.5% | $146,643+47.7% | $167,536+29.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 15.41% | 24.04%-8.6pp | 22.75%-7.3pp | 478.82%-463.4pp |
| Employer contribution / active EE | $21,733 | $5,161+321.1% | $4,137+425.4% | $4,839+349.1% |
| Participant deferral / active EE | $11,800 | $6,440+83.2% | $5,506+114.3% | $6,342+86.1% |
| Admin fee / account holder | $3,052 | $13,262-77.0% | $10,280-70.3% | $12,315-75.2% |