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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 | $171,605 | $156,616+9.6% | $133,346+28.7% | $198,609-13.6% |
| Participation rate | 100.0% | 77.7%+22.3pp | 72.8%+27.2pp | 82.4%+17.6pp |
| Annual return | 15.64% | 44.25%-28.6pp | 36.85%-21.2pp | 202.70%-187.1pp |
| Employer contribution / active EE | $2,414 | $3,368-28.3% | $2,853-15.4% | $5,055-52.3% |
| Participant deferral / active EE | $10,024 | $4,920+103.8% | $4,332+131.4% | $6,977+43.7% |
| Admin fee / account holder | $6,166 | $17,468-64.7% | $14,264-56.8% | $19,030-67.6% |