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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 | $153,841 | $197,637-22.2% | $177,848-13.5% | $158,982-3.2% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 15.91% | 58.77%-42.9pp | 48.33%-32.4pp | 302.99%-287.1pp |
| Employer contribution / active EE | $3,210 | $6,698-52.1% | $5,919-45.8% | $4,763-32.6% |
| Participant deferral / active EE | $7,045 | $8,405-16.2% | $7,714-8.7% | $5,983+17.7% |
| Admin fee / account holder | $3,081 | $15,406-80.0% | $12,431-75.2% | $11,252-72.6% |