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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 | $157,977 | $114,119+38.4% | $107,187+47.4% | $138,895+13.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 23.72% | 273.21%-249.5pp | 204.55%-180.8pp | 145.39%-121.7pp |
| Employer contribution / active EE | $3,967 | $4,059-2.3% | $3,782+4.9% | $4,194-5.4% |
| Participant deferral / active EE | $17,536 | $5,538+216.7% | $5,096+244.1% | $6,396+174.2% |
| Admin fee / account holder | $12,587 | $10,024+25.6% | $9,162+37.4% | $12,562+0.2% |