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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 | $179,356 | $162,812+10.2% | $133,971+33.9% | $158,966+12.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 17.93% | 41.94%-24.0pp | 45.09%-27.2pp | 302.95%-285.0pp |
| Employer contribution / active EE | $9,693 | $4,976+94.8% | $3,919+147.3% | $4,762+103.5% |
| Participant deferral / active EE | $6,200 | $5,910+4.9% | $5,047+22.8% | $5,983+3.6% |
| Admin fee / account holder | $7,000 | $11,741-40.4% | $8,929-21.6% | $11,250-37.8% |