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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 | $96,583 | $97,125-0.6% | $86,233+12.0% | $137,256-29.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 12.21% | 74.19%-62.0pp | 61.39%-49.2pp | 220.34%-208.1pp |
| Employer contribution / active EE | $4,660 | $2,841+64.0% | $2,504+86.1% | $4,156+12.1% |
| Participant deferral / active EE | $4,750 | $5,180-8.3% | $4,559+4.2% | $6,407-25.9% |
| Admin fee / account holder | $1,921 | $9,725-80.2% | $8,342-77.0% | $12,270-84.3% |