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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 | $154,184 | $115,814+33.1% | $101,275+52.2% | $158,982-3.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 11.74% | 56.16%-44.4pp | 46.48%-34.7pp | 302.99%-291.3pp |
| Employer contribution / active EE | $2,420 | $4,176-42.1% | $3,660-33.9% | $4,763-49.2% |
| Participant deferral / active EE | $10,305 | $4,958+107.8% | $4,371+135.8% | $5,983+72.2% |
| Admin fee / account holder | $545 | $7,249-92.5% | $5,948-90.8% | $11,252-95.2% |