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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 | $174,522 | $105,856+64.9% | $90,161+93.6% | $147,586+18.3% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 16.28% | 37.63%-21.3pp | 34.89%-18.6pp | 578.59%-562.3pp |
| Employer contribution / active EE | $1,896 | $4,126-54.1% | $3,318-42.9% | $4,876-61.1% |
| Participant deferral / active EE | $20,786 | $5,733+262.6% | $5,287+293.1% | $5,439+282.2% |
| Admin fee / account holder | $940 | $8,046-88.3% | $5,943-84.2% | $10,886-91.4% |