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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 | $201,542 | $124,346+62.1% | $111,308+81.1% | $167,536+20.3% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 14.64% | 37.45%-22.8pp | 54.67%-40.0pp | 478.82%-464.2pp |
| Employer contribution / active EE | $3,209 | $3,437-6.7% | $2,732+17.5% | $4,839-33.7% |
| Participant deferral / active EE | $15,734 | $5,182+203.6% | $4,487+250.6% | $6,342+148.1% |
| Admin fee / account holder | $28,415 | $10,621+167.5% | $7,965+256.7% | $12,315+130.7% |