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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 | $148,948 | $111,878+33.1% | $93,727+58.9% | $145,897+2.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 14.21% | 204.28%-190.1pp | 133.83%-119.6pp | 552.29%-538.1pp |
| Employer contribution / active EE | $1,812 | $3,092-41.4% | $2,421-25.2% | $4,663-61.1% |
| Participant deferral / active EE | $14,196 | $4,920+188.5% | $4,417+221.4% | $6,689+112.2% |
| Admin fee / account holder | $5,174 | $10,256-49.6% | $8,292-37.6% | $13,390-61.4% |