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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 | $200,089 | $208,088-3.8% | $186,193+7.5% | $154,746+29.3% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 16.76% | 89.97%-73.2pp | 78.03%-61.3pp | 172.34%-155.6pp |
| Employer contribution / active EE | $3,882 | $4,340-10.6% | $3,918-0.9% | $4,379-11.4% |
| Participant deferral / active EE | $3,882 | $7,078-45.2% | $6,513-40.4% | $6,730-42.3% |
| Admin fee / account holder | $19,775 | $11,698+69.0% | $11,058+78.8% | $14,365+37.7% |