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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 | $196,382 | $152,592+28.7% | $125,180+56.9% | $152,885+28.5% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 21.64% | 54.84%-33.2pp | 43.79%-22.2pp | 345.39%-323.7pp |
| Employer contribution / active EE | $2,983 | $4,947-39.7% | $3,866-22.8% | $4,763-37.4% |
| Participant deferral / active EE | $4,425 | $5,868-24.6% | $4,937-10.4% | $5,851-24.4% |
| Admin fee / account holder | $7,816 | $13,435-41.8% | $9,703-19.4% | $11,598-32.6% |