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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 | $168,813 | $115,814+45.8% | $101,275+66.7% | $158,982+6.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 10.42% | 56.16%-45.7pp | 46.48%-36.1pp | 302.99%-292.6pp |
| Employer contribution / active EE | $0 | $4,176-100.0% | $3,660-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $4,558 | $4,958-8.1% | $4,371+4.3% | $5,983-23.8% |
| Admin fee / account holder | $757 | $7,249-89.6% | $5,948-87.3% | $11,252-93.3% |