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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 | $185,863 | $110,379+68.4% | $102,412+81.5% | $145,884+27.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 14.35% | 24.84%-10.5pp | 24.94%-10.6pp | 551.85%-537.5pp |
| Employer contribution / active EE | $3,921 | $4,216-7.0% | $3,870+1.3% | $4,662-15.9% |
| Participant deferral / active EE | $30,500 | $5,622+442.5% | $5,060+502.7% | $6,690+355.9% |
| Admin fee / account holder | $3,406 | $9,745-65.1% | $8,388-59.4% | $13,392-74.6% |