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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 | $149,481 | $95,406+56.7% | $185,849-19.6% | $85,847+74.1% |
| Participation rate | 97.1% | 68.8%+28.4pp | 81.7%+15.4pp | 69.3%+27.8pp |
| Annual return | 15.11% | 23.59%-8.5pp | 122.10%-107.0pp | 318.61%-303.5pp |
| Employer contribution / active EE | $4,571 | $3,314+38.0% | $5,169-11.6% | $2,565+78.2% |
| Participant deferral / active EE | $5,707 | $3,424+66.7% | $5,569+2.5% | $3,952+44.4% |
| Admin fee / account holder | $10,064 | $7,214+39.5% | $16,244-38.0% | $6,261+60.8% |