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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 | $231,736 | $176,786+31.1% | $146,643+58.0% | $167,536+38.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.26% | 24.04%-10.8pp | 22.75%-9.5pp | 478.82%-465.6pp |
| Employer contribution / active EE | $18,037 | $5,161+249.5% | $4,137+336.0% | $4,839+272.7% |
| Participant deferral / active EE | $8,840 | $6,440+37.3% | $5,506+60.5% | $6,342+39.4% |
| Admin fee / account holder | $1,431 | $13,262-89.2% | $10,280-86.1% | $12,315-88.4% |