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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 | $146,803 | $115,814+26.8% | $101,275+45.0% | $158,982-7.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 18.25% | 56.16%-37.9pp | 46.48%-28.2pp | 302.99%-284.7pp |
| Employer contribution / active EE | $1,176 | $4,176-71.8% | $3,660-67.9% | $4,763-75.3% |
| Participant deferral / active EE | $5,964 | $4,958+20.3% | $4,371+36.5% | $5,983-0.3% |
| Admin fee / account holder | $607 | $7,249-91.6% | $5,948-89.8% | $11,252-94.6% |