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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 | $168,223 | $103,393+62.7% | $87,103+93.1% | $152,909+10.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 18.51% | 28.10%-9.6pp | 28.19%-9.7pp | 345.46%-327.0pp |
| Employer contribution / active EE | $3,952 | $3,221+22.7% | $2,521+56.7% | $4,764-17.0% |
| Participant deferral / active EE | $9,035 | $4,778+89.1% | $4,049+123.2% | $5,851+54.4% |
| Admin fee / account holder | $871 | $12,195-92.9% | $7,491-88.4% | $11,601-92.5% |