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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 | $117,942 | $172,111-31.5% | $150,298-21.5% | $137,256-14.1% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 19.24% | 69.37%-50.1pp | 62.79%-43.5pp | 220.34%-201.1pp |
| Employer contribution / active EE | $2,902 | $4,636-37.4% | $4,154-30.1% | $4,156-30.2% |
| Participant deferral / active EE | $12,459 | $6,166+102.1% | $5,453+128.5% | $6,407+94.5% |
| Admin fee / account holder | $583 | $16,471-96.5% | $14,116-95.9% | $12,270-95.2% |