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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 | $175,319 | $90,486+93.8% | $78,676+122.8% | $273,972-36.0% |
| Participation rate | 100.0% | 76.5%+23.5pp | 73.6%+26.4pp | 83.0%+17.0pp |
| Annual return | 4.76% | 75.62%-70.9pp | 62.19%-57.4pp | 41.46%-36.7pp |
| Employer contribution / active EE | $5,372 | $3,175+69.2% | $2,850+88.5% | $4,869+10.3% |
| Participant deferral / active EE | $5,510 | $3,901+41.2% | $3,517+56.7% | $5,287+4.2% |
| Admin fee / account holder | $5,048 | $5,263-4.1% | $4,510+11.9% | $10,133-50.2% |