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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 | $198,446 | $176,786+12.3% | $146,643+35.3% | $167,536+18.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.92% | 24.04%-10.1pp | 22.75%-8.8pp | 478.82%-464.9pp |
| Employer contribution / active EE | $21,632 | $5,161+319.1% | $4,137+422.9% | $4,839+347.0% |
| Participant deferral / active EE | $8,597 | $6,440+33.5% | $5,506+56.1% | $6,342+35.5% |
| Admin fee / account holder | $1,480 | $13,262-88.8% | $10,280-85.6% | $12,315-88.0% |