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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 | $235,598 | $124,351+89.5% | $109,188+115.8% | $167,553+40.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.18% | 26.04%-12.9pp | 25.76%-12.6pp | 478.89%-465.7pp |
| Employer contribution / active EE | $3,920 | $4,210-6.9% | $3,723+5.3% | $4,840-19.0% |
| Participant deferral / active EE | $11,637 | $5,257+121.4% | $4,654+150.1% | $6,343+83.5% |
| Admin fee / account holder | $3,377 | $7,975-57.7% | $6,755-50.0% | $12,316-72.6% |