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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 | $174,227 | $157,829+10.4% | $136,867+27.3% | $198,609-12.3% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 15.80% | 51.25%-35.4pp | 42.97%-27.2pp | 202.70%-186.9pp |
| Employer contribution / active EE | $1,969 | $3,923-49.8% | $3,547-44.5% | $5,055-61.1% |
| Participant deferral / active EE | $4,955 | $5,463-9.3% | $4,924+0.6% | $6,977-29.0% |
| Admin fee / account holder | $2,947 | $11,107-73.5% | $10,340-71.5% | $19,030-84.5% |