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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 | $249,161 | $176,402+41.2% | $134,162+85.7% | $158,982+56.7% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 18.47% | 63.66%-45.2pp | 36.35%-17.9pp | 302.99%-284.5pp |
| Employer contribution / active EE | $3,791 | $5,042-24.8% | $3,705+2.3% | $4,763-20.4% |
| Participant deferral / active EE | $6,500 | $4,093+58.8% | $3,500+85.7% | $5,983+8.6% |
| Admin fee / account holder | $2,718 | $8,719-68.8% | $6,685-59.3% | $11,252-75.8% |