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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 | $108,010 | $201,344-46.4% | $184,243-41.4% | $145,877-26.0% |
| Participation rate | 90.9% | 87.5%+3.4pp | 86.8%+4.1pp | 80.3%+10.6pp |
| Annual return | 17.63% | 29.01%-11.4pp | 28.82%-11.2pp | 551.28%-533.7pp |
| Employer contribution / active EE | $4,700 | $7,022-33.1% | $6,427-26.9% | $4,663+0.8% |
| Participant deferral / active EE | $15,381 | $9,807+56.8% | $9,132+68.4% | $6,691+129.9% |
| Admin fee / account holder | $5,294 | $16,382-67.7% | $13,914-62.0% | $13,402-60.5% |