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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 | $204,184 | $185,312+10.2% | $161,489+26.4% | $154,746+31.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 19.47% | 103.84%-84.4pp | 89.72%-70.2pp | 172.34%-152.9pp |
| Employer contribution / active EE | $3,666 | $4,769-23.1% | $4,268-14.1% | $4,379-16.3% |
| Participant deferral / active EE | $9,134 | $6,350+43.8% | $5,630+62.2% | $6,730+35.7% |
| Admin fee / account holder | $3,344 | $18,654-82.1% | $16,006-79.1% | $14,365-76.7% |