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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 | $198,737 | $152,592+30.2% | $125,180+58.8% | $152,885+30.0% |
| Participation rate | 90.0% | 83.3%+6.7pp | 79.8%+10.2pp | 82.5%+7.5pp |
| Annual return | 24.84% | 54.84%-30.0pp | 43.79%-19.0pp | 345.39%-320.5pp |
| Employer contribution / active EE | $14,765 | $4,947+198.5% | $3,866+282.0% | $4,763+210.0% |
| Participant deferral / active EE | $7,947 | $5,868+35.4% | $4,937+61.0% | $5,851+35.8% |
| Admin fee / account holder | $2,512 | $13,435-81.3% | $9,703-74.1% | $11,598-78.3% |