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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 | $235,064 | $132,634+77.2% | $115,768+103.0% | $137,256+71.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 14.04% | 160.70%-146.7pp | 100.46%-86.4pp | 220.34%-206.3pp |
| Employer contribution / active EE | $4,761 | $3,360+41.7% | $2,940+62.0% | $4,156+14.6% |
| Participant deferral / active EE | $18,200 | $5,619+223.9% | $4,917+270.2% | $6,407+184.1% |
| Admin fee / account holder | $6,218 | $15,028-58.6% | $12,439-50.0% | $12,270-49.3% |