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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 | $167,682 | $117,846+42.3% | $102,434+63.7% | $145,884+14.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 13.30% | 31.90%-18.6pp | 29.46%-16.2pp | 551.85%-538.5pp |
| Employer contribution / active EE | $1,823 | $3,615-49.6% | $3,023-39.7% | $4,662-60.9% |
| Participant deferral / active EE | $4,706 | $5,733-17.9% | $5,055-6.9% | $6,690-29.6% |
| Admin fee / account holder | $25,364 | $13,356+89.9% | $9,462+168.1% | $13,392+89.4% |