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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 | $173,889 | $176,402-1.4% | $134,162+29.6% | $158,982+9.4% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 13.88% | 63.66%-49.8pp | 36.35%-22.5pp | 302.99%-289.1pp |
| Employer contribution / active EE | $4,335 | $5,042-14.0% | $3,705+17.0% | $4,763-9.0% |
| Participant deferral / active EE | $6,850 | $4,093+67.4% | $3,500+95.7% | $5,983+14.5% |
| Admin fee / account holder | $14,415 | $8,719+65.3% | $6,685+115.6% | $11,252+28.1% |