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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 | $223,168 | $152,592+46.3% | $125,180+78.3% | $152,885+46.0% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 26.78% | 54.84%-28.1pp | 43.79%-17.0pp | 345.39%-318.6pp |
| Employer contribution / active EE | $8,795 | $4,947+77.8% | $3,866+127.5% | $4,763+84.6% |
| Participant deferral / active EE | $6,229 | $5,868+6.2% | $4,937+26.2% | $5,851+6.5% |
| Admin fee / account holder | $8,999 | $13,435-33.0% | $9,703-7.2% | $11,598-22.4% |