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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 | $218,818 | $176,786+23.8% | $146,643+49.2% | $167,536+30.6% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.07% | 24.04%-11.0pp | 22.75%-9.7pp | 478.82%-465.7pp |
| Employer contribution / active EE | $10,915 | $5,161+111.5% | $4,137+163.8% | $4,839+125.6% |
| Participant deferral / active EE | $9,432 | $6,440+46.5% | $5,506+71.3% | $6,342+48.7% |
| Admin fee / account holder | $3,622 | $13,262-72.7% | $10,280-64.8% | $12,315-70.6% |