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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 | $117,652 | $97,125+21.1% | $86,233+36.4% | $137,256-14.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 15.03% | 74.19%-59.2pp | 61.39%-46.4pp | 220.34%-205.3pp |
| Employer contribution / active EE | $3,930 | $2,841+38.3% | $2,504+56.9% | $4,156-5.4% |
| Participant deferral / active EE | $9,496 | $5,180+83.3% | $4,559+108.3% | $6,407+48.2% |
| Admin fee / account holder | $4,365 | $9,725-55.1% | $8,342-47.7% | $12,270-64.4% |