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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 | $147,396 | $115,814+27.3% | $101,275+45.5% | $158,982-7.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 10.57% | 56.16%-45.6pp | 46.48%-35.9pp | 302.99%-292.4pp |
| Employer contribution / active EE | $4,887 | $4,176+17.0% | $3,660+33.5% | $4,763+2.6% |
| Participant deferral / active EE | $11,079 | $4,958+123.5% | $4,371+153.5% | $5,983+85.2% |
| Admin fee / account holder | $7,428 | $7,249+2.5% | $5,948+24.9% | $11,252-34.0% |