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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 | $186,228 | $162,785+14.4% | $133,959+39.0% | $158,950+17.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 14.47% | 41.94%-27.5pp | 45.09%-30.6pp | 302.91%-288.4pp |
| Employer contribution / active EE | $5,437 | $4,975+9.3% | $3,919+38.8% | $4,762+14.2% |
| Participant deferral / active EE | $5,376 | $5,910-9.0% | $5,047+6.5% | $5,983-10.1% |
| Admin fee / account holder | $1,521 | $11,738-87.0% | $8,928-83.0% | $11,248-86.5% |