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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 | $172,682 | $114,119+51.3% | $107,187+61.1% | $138,895+24.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 13.23% | 273.21%-260.0pp | 204.55%-191.3pp | 145.39%-132.2pp |
| Employer contribution / active EE | $3,735 | $4,059-8.0% | $3,782-1.2% | $4,194-10.9% |
| Participant deferral / active EE | $8,392 | $5,538+51.5% | $5,096+64.7% | $6,396+31.2% |
| Admin fee / account holder | $27,868 | $10,024+178.0% | $9,162+204.2% | $12,562+121.8% |