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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 | $124,048 | $197,637-37.2% | $177,848-30.3% | $158,982-22.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 16.47% | 58.77%-42.3pp | 48.33%-31.9pp | 302.99%-286.5pp |
| Employer contribution / active EE | $4,443 | $6,698-33.7% | $5,919-24.9% | $4,763-6.7% |
| Participant deferral / active EE | $7,660 | $8,405-8.9% | $7,714-0.7% | $5,983+28.0% |
| Admin fee / account holder | $3,508 | $15,406-77.2% | $12,431-71.8% | $11,252-68.8% |