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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 | $154,596 | $124,330+24.3% | $109,173+41.6% | $167,536-7.7% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 17.71% | 26.04%-8.3pp | 25.75%-8.0pp | 478.82%-461.1pp |
| Employer contribution / active EE | $9,311 | $4,209+121.2% | $3,723+150.1% | $4,839+92.4% |
| Participant deferral / active EE | $6,633 | $5,256+26.2% | $4,654+42.5% | $6,342+4.6% |
| Admin fee / account holder | $4,631 | $7,974-41.9% | $6,755-31.4% | $12,315-62.4% |