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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 | $207,277 | $97,125+113.4% | $86,233+140.4% | $137,256+51.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 15.85% | 74.19%-58.3pp | 61.39%-45.5pp | 220.34%-204.5pp |
| Employer contribution / active EE | $3,023 | $2,841+6.4% | $2,504+20.7% | $4,156-27.3% |
| Participant deferral / active EE | $21,965 | $5,180+324.1% | $4,559+381.8% | $6,407+242.8% |
| Admin fee / account holder | $4,421 | $9,725-54.5% | $8,342-47.0% | $12,270-64.0% |