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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 | $207,936 | $157,296+32.2% | $141,191+47.3% | $152,897+36.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 25.27% | 64.34%-39.1pp | 71.41%-46.1pp | 345.43%-320.2pp |
| Employer contribution / active EE | $3,618 | $5,262-31.2% | $4,736-23.6% | $4,764-24.0% |
| Participant deferral / active EE | $11,672 | $7,111+64.1% | $6,710+73.9% | $5,851+99.5% |
| Admin fee / account holder | $1,513 | $12,125-87.5% | $10,264-85.3% | $11,599-87.0% |