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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 | $245,879 | $165,381+48.7% | $149,730+64.2% | $158,966+54.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.28% | 348.29%-334.0pp | 276.70%-262.4pp | 302.95%-288.7pp |
| Employer contribution / active EE | $2,625 | $5,104-48.6% | $4,645-43.5% | $4,762-44.9% |
| Participant deferral / active EE | $13,900 | $7,182+93.5% | $6,843+103.1% | $5,983+132.3% |
| Admin fee / account holder | $2,299 | $10,809-78.7% | $9,310-75.3% | $11,250-79.6% |