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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 | $177,481 | $117,895+50.5% | $102,460+73.2% | $145,897+21.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.20% | 31.92%-17.7pp | 29.47%-15.3pp | 552.29%-538.1pp |
| Employer contribution / active EE | $3,874 | $3,619+7.0% | $3,025+28.0% | $4,663-16.9% |
| Participant deferral / active EE | $10,662 | $5,736+85.9% | $5,056+110.9% | $6,689+59.4% |
| Admin fee / account holder | $6,476 | $13,353-51.5% | $9,460-31.5% | $13,390-51.6% |