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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 | $163,084 | $126,113+29.3% | $116,096+40.5% | $155,188+5.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 73.3%+26.7pp | 80.8%+19.2pp |
| Annual return | 14.68% | 391.72%-377.0pp | 326.25%-311.6pp | 148.84%-134.2pp |
| Employer contribution / active EE | $2,344 | $2,672-12.3% | $2,503-6.4% | $4,248-44.8% |
| Participant deferral / active EE | $4,775 | $4,162+14.7% | $3,952+20.8% | $6,531-26.9% |
| Admin fee / account holder | $7,251 | $8,045-9.9% | $7,704-5.9% | $14,480-49.9% |