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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 | $152,139 | $86,288+76.3% | $111,306+36.7% | $85,851+77.2% |
| Participation rate | 100.0% | 73.3%+26.7pp | 77.3%+22.7pp | 69.3%+30.7pp |
| Annual return | 16.59% | 19.99%-3.4pp | 54.67%-38.1pp | 318.63%-302.0pp |
| Employer contribution / active EE | $3,431 | $2,044+67.9% | $2,732+25.6% | $2,565+33.7% |
| Participant deferral / active EE | $7,976 | $3,641+119.1% | $4,488+77.7% | $3,952+101.8% |
| Admin fee / account holder | $6,212 | $8,189-24.1% | $7,966-22.0% | $6,261-0.8% |