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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 | $189,720 | $95,415+98.8% | $185,851+2.1% | $85,851+121.0% |
| Participation rate | 96.3% | 68.8%+27.5pp | 81.7%+14.6pp | 69.3%+27.0pp |
| Annual return | 18.20% | 23.59%-5.4pp | 122.11%-103.9pp | 318.63%-300.4pp |
| Employer contribution / active EE | $4,810 | $3,314+45.1% | $5,168-6.9% | $2,565+87.5% |
| Participant deferral / active EE | $5,016 | $3,424+46.5% | $5,569-9.9% | $3,952+26.9% |
| Admin fee / account holder | $3,135 | $7,215-56.5% | $16,245-80.7% | $6,261-49.9% |