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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 | $182,322 | $157,296+15.9% | $141,191+29.1% | $152,897+19.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.16% | 64.34%-44.2pp | 71.41%-51.2pp | 345.43%-325.3pp |
| Employer contribution / active EE | $5,116 | $5,262-2.8% | $4,736+8.0% | $4,764+7.4% |
| Participant deferral / active EE | $12,442 | $7,111+75.0% | $6,710+85.4% | $5,851+112.7% |
| Admin fee / account holder | $1,238 | $12,125-89.8% | $10,264-87.9% | $11,599-89.3% |