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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 | $141,285 | $97,125+45.5% | $86,233+63.8% | $137,256+2.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 16.17% | 74.19%-58.0pp | 61.39%-45.2pp | 220.34%-204.2pp |
| Employer contribution / active EE | $1,869 | $2,841-34.2% | $2,504-25.4% | $4,156-55.0% |
| Participant deferral / active EE | $12,924 | $5,180+149.5% | $4,559+183.5% | $6,407+101.7% |
| Admin fee / account holder | $892 | $9,725-90.8% | $8,342-89.3% | $12,270-92.7% |