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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 | $230,403 | $106,280+116.8% | $96,538+138.7% | $139,487+65.2% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 11.46% | 38.48%-27.0pp | 35.74%-24.3pp | 373.84%-362.4pp |
| Employer contribution / active EE | $1,509 | $4,107-63.3% | $3,740-59.6% | $4,755-68.3% |
| Participant deferral / active EE | $20,000 | $5,457+266.5% | $4,880+309.8% | $6,713+197.9% |
| Admin fee / account holder | $1,490 | $7,888-81.1% | $6,737-77.9% | $11,407-86.9% |