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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 | $225,605 | $157,276+43.4% | $141,177+59.8% | $152,885+47.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.26% | 64.33%-46.1pp | 71.40%-53.1pp | 345.39%-327.1pp |
| Employer contribution / active EE | $2,965 | $5,262-43.6% | $4,736-37.4% | $4,763-37.7% |
| Participant deferral / active EE | $8,733 | $7,110+22.8% | $6,710+30.2% | $5,851+49.3% |
| Admin fee / account holder | $5,164 | $12,123-57.4% | $10,263-49.7% | $11,598-55.5% |