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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 | $177,076 | $88,672+99.7% | $105,223+68.3% | $82,448+114.8% |
| Participation rate | 98.6% | 67.9%+30.6pp | 75.0%+23.5pp | 68.1%+30.5pp |
| Annual return | 16.08% | 30.86%-14.8pp | 180.65%-164.6pp | 41.64%-25.6pp |
| Employer contribution / active EE | $5,422 | $3,048+77.9% | $3,689+47.0% | $2,551+112.5% |
| Participant deferral / active EE | $5,881 | $4,036+45.7% | $5,072+16.0% | $4,139+42.1% |
| Admin fee / account holder | $12,937 | $7,146+81.0% | $8,859+46.0% | $7,234+78.8% |