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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 | $174,829 | $81,233+115.2% | $155,567+12.4% | $80,874+116.2% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 14.32% | 33.33%-19.0pp | 64.74%-50.4pp | 35.62%-21.3pp |
| Employer contribution / active EE | $5,757 | $3,101+85.7% | $4,674+23.2% | $2,756+108.9% |
| Participant deferral / active EE | $4,226 | $3,452+22.4% | $5,628-24.9% | $4,297-1.7% |
| Admin fee / account holder | $4,313 | $7,998-46.1% | $15,916-72.9% | $6,935-37.8% |