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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 | $192,931 | $72,071+167.7% | $68,368+182.2% | $137,256+40.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 14.20% | 353.14%-338.9pp | 292.57%-278.4pp | 220.34%-206.1pp |
| Employer contribution / active EE | $1,412 | $2,788-49.4% | $2,649-46.7% | $4,156-66.0% |
| Participant deferral / active EE | $3,688 | $4,410-16.4% | $4,123-10.5% | $6,407-42.4% |
| Admin fee / account holder | $5,693 | $5,336+6.7% | $5,150+10.5% | $12,270-53.6% |