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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 | $151,937 | $111,535+36.2% | $105,223+44.4% | $137,256+10.7% |
| Participation rate | 95.0% | 78.1%+16.9pp | 75.0%+20.0pp | 80.0%+15.0pp |
| Annual return | 16.84% | 237.85%-221.0pp | 180.65%-163.8pp | 220.34%-203.5pp |
| Employer contribution / active EE | $13,175 | $3,939+234.4% | $3,689+257.2% | $4,156+217.0% |
| Participant deferral / active EE | $1,768 | $5,500-67.9% | $5,072-65.1% | $6,407-72.4% |
| Admin fee / account holder | $2,023 | $9,721-79.2% | $8,859-77.2% | $12,270-83.5% |