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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 | $120,431 | $157,296-23.4% | $141,191-14.7% | $152,897-21.2% |
| Participation rate | 91.7% | 84.8%+6.8pp | 82.5%+9.2pp | 82.5%+9.2pp |
| Annual return | 18.46% | 64.34%-45.9pp | 71.41%-52.9pp | 345.43%-327.0pp |
| Employer contribution / active EE | $13,044 | $5,262+147.9% | $4,736+175.4% | $4,764+173.8% |
| Participant deferral / active EE | $10,488 | $7,111+47.5% | $6,710+56.3% | $5,851+79.2% |
| Admin fee / account holder | $492 | $12,125-95.9% | $10,264-95.2% | $11,599-95.8% |