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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 | $168,262 | $117,846+42.8% | $102,434+64.3% | $145,884+15.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 13.66% | 31.90%-18.2pp | 29.46%-15.8pp | 551.85%-538.2pp |
| Employer contribution / active EE | $4,286 | $3,615+18.6% | $3,023+41.8% | $4,662-8.1% |
| Participant deferral / active EE | $12,131 | $5,733+111.6% | $5,055+140.0% | $6,690+81.3% |
| Admin fee / account holder | $13,270 | $13,356-0.6% | $9,462+40.2% | $13,392-0.9% |