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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 | $247,871 | $114,119+117.2% | $107,187+131.3% | $138,895+78.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 16.03% | 273.21%-257.2pp | 204.55%-188.5pp | 145.39%-129.4pp |
| Employer contribution / active EE | $3,868 | $4,059-4.7% | $3,782+2.3% | $4,194-7.8% |
| Participant deferral / active EE | $16,671 | $5,538+201.0% | $5,096+227.1% | $6,396+160.6% |
| Admin fee / account holder | $10,768 | $10,024+7.4% | $9,162+17.5% | $12,562-14.3% |