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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 | $237,697 | $97,125+144.7% | $86,233+175.6% | $137,256+73.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 18.04% | 74.19%-56.1pp | 61.39%-43.3pp | 220.34%-202.3pp |
| Employer contribution / active EE | $3,044 | $2,841+7.1% | $2,504+21.5% | $4,156-26.8% |
| Participant deferral / active EE | $16,824 | $5,180+224.8% | $4,559+269.0% | $6,407+162.6% |
| Admin fee / account holder | $1,308 | $9,725-86.6% | $8,342-84.3% | $12,270-89.3% |