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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 | $177,336 | $97,125+82.6% | $86,233+105.6% | $137,256+29.2% |
| Participation rate | 94.4% | 74.2%+20.2pp | 69.0%+25.4pp | 80.0%+14.5pp |
| Annual return | 12.98% | 74.19%-61.2pp | 61.39%-48.4pp | 220.34%-207.4pp |
| Employer contribution / active EE | $4,339 | $2,841+52.7% | $2,504+73.3% | $4,156+4.4% |
| Participant deferral / active EE | $7,905 | $5,180+52.6% | $4,559+73.4% | $6,407+23.4% |
| Admin fee / account holder | $21,607 | $9,725+122.2% | $8,342+159.0% | $12,270+76.1% |