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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 | $46,696 | $172,111-72.9% | $150,298-68.9% | $137,256-66.0% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 21.47% | 69.37%-47.9pp | 62.79%-41.3pp | 220.34%-198.9pp |
| Employer contribution / active EE | $4,858 | $4,636+4.8% | $4,154+16.9% | $4,156+16.9% |
| Participant deferral / active EE | $11,331 | $6,166+83.8% | $5,453+107.8% | $6,407+76.9% |
| Admin fee / account holder | $2,422 | $16,471-85.3% | $14,116-82.8% | $12,270-80.3% |