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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 | $244,356 | $178,174+37.1% | $156,181+56.5% | $137,256+78.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 26.23% | 84.19%-58.0pp | 64.87%-38.6pp | 220.34%-194.1pp |
| Employer contribution / active EE | $4,322 | $4,972-13.1% | $4,294+0.7% | $4,156+4.0% |
| Participant deferral / active EE | $7,338 | $6,888+6.5% | $6,132+19.7% | $6,407+14.5% |
| Admin fee / account holder | $2,931 | $17,404-83.2% | $14,586-79.9% | $12,270-76.1% |