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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 | $247,458 | $114,119+116.8% | $107,187+130.9% | $138,895+78.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 18.70% | 273.21%-254.5pp | 204.55%-185.9pp | 145.39%-126.7pp |
| Employer contribution / active EE | $3,518 | $4,059-13.3% | $3,782-7.0% | $4,194-16.1% |
| Participant deferral / active EE | $5,624 | $5,538+1.6% | $5,096+10.4% | $6,396-12.1% |
| Admin fee / account holder | $476 | $10,024-95.3% | $9,162-94.8% | $12,562-96.2% |