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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 | $165,296 | $117,829+40.3% | $102,423+61.4% | $145,877+13.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 13.93% | 31.83%-17.9pp | 29.42%-15.5pp | 551.28%-537.4pp |
| Employer contribution / active EE | $3,727 | $3,615+3.1% | $3,023+23.3% | $4,663-20.1% |
| Participant deferral / active EE | $7,550 | $5,732+31.7% | $5,054+49.4% | $6,691+12.8% |
| Admin fee / account holder | $14,790 | $13,335+10.9% | $9,455+56.4% | $13,402+10.4% |