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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 | $163,549 | $111,535+46.6% | $105,223+55.4% | $137,256+19.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.90% | 237.85%-221.0pp | 180.65%-163.7pp | 220.34%-203.4pp |
| Employer contribution / active EE | $6,996 | $3,939+77.6% | $3,689+89.7% | $4,156+68.3% |
| Participant deferral / active EE | $8,485 | $5,500+54.3% | $5,072+67.3% | $6,407+32.4% |
| Admin fee / account holder | $5,549 | $9,721-42.9% | $8,859-37.4% | $12,270-54.8% |