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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 | $112,496 | $217,432-48.3% | $185,849-39.5% | $167,536-32.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.76% | 148.42%-136.7pp | 122.10%-110.3pp | 478.82%-467.1pp |
| Employer contribution / active EE | $9,479 | $5,875+61.4% | $5,169+83.4% | $4,839+95.9% |
| Participant deferral / active EE | $5,662 | $6,357-10.9% | $5,569+1.7% | $6,342-10.7% |
| Admin fee / account holder | $15,208 | $19,818-23.3% | $16,244-6.4% | $12,315+23.5% |