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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 | $193,227 | $99,053+95.1% | $88,179+119.1% | $138,895+39.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 15.84% | 78.17%-62.3pp | 64.97%-49.1pp | 145.39%-129.6pp |
| Employer contribution / active EE | $3,312 | $2,882+14.9% | $2,549+29.9% | $4,194-21.0% |
| Participant deferral / active EE | $5,866 | $5,225+12.3% | $4,614+27.1% | $6,396-8.3% |
| Admin fee / account holder | $2,986 | $8,748-65.9% | $7,673-61.1% | $12,562-76.2% |