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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 | $225,295 | $90,486+149.0% | $78,676+186.4% | $273,972-17.8% |
| Participation rate | 90.9% | 76.5%+14.4pp | 73.6%+17.3pp | 83.0%+7.9pp |
| Annual return | 12.12% | 75.62%-63.5pp | 62.19%-50.1pp | 41.46%-29.3pp |
| Employer contribution / active EE | $1,595 | $3,175-49.8% | $2,850-44.0% | $4,869-67.2% |
| Participant deferral / active EE | $2,644 | $3,901-32.2% | $3,517-24.8% | $5,287-50.0% |
| Admin fee / account holder | $14,321 | $5,263+172.1% | $4,510+217.5% | $10,133+41.3% |