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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 | $163,132 | $115,810+40.9% | $101,271+61.1% | $158,966+2.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 14.41% | 56.15%-41.7pp | 46.48%-32.1pp | 302.95%-288.5pp |
| Employer contribution / active EE | $2,765 | $4,175-33.8% | $3,660-24.5% | $4,762-41.9% |
| Participant deferral / active EE | $13,240 | $4,958+167.0% | $4,371+202.9% | $5,983+121.3% |
| Admin fee / account holder | $9,919 | $7,248+36.8% | $5,948+66.8% | $11,250-11.8% |