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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 | $173,380 | $114,119+51.9% | $107,187+61.8% | $138,895+24.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 11.35% | 273.21%-261.9pp | 204.55%-193.2pp | 145.39%-134.0pp |
| Employer contribution / active EE | $3,777 | $4,059-6.9% | $3,782-0.1% | $4,194-9.9% |
| Participant deferral / active EE | $6,268 | $5,538+13.2% | $5,096+23.0% | $6,396-2.0% |
| Admin fee / account holder | $3,482 | $10,024-65.3% | $9,162-62.0% | $12,562-72.3% |