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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 | $178,630 | $183,516-2.7% | $155,534+14.8% | $145,884+22.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.81% | 61.43%-49.6pp | 64.92%-53.1pp | 551.85%-540.0pp |
| Employer contribution / active EE | $2,432 | $5,315-54.2% | $4,675-48.0% | $4,662-47.8% |
| Participant deferral / active EE | $5,853 | $6,467-9.5% | $5,630+4.0% | $6,690-12.5% |
| Admin fee / account holder | $3,885 | $19,293-79.9% | $15,900-75.6% | $13,392-71.0% |