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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 | $84,550 | $111,535-24.2% | $105,223-19.6% | $137,256-38.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 30.12% | 237.85%-207.7pp | 180.65%-150.5pp | 220.34%-190.2pp |
| Employer contribution / active EE | $4,983 | $3,939+26.5% | $3,689+35.1% | $4,156+19.9% |
| Participant deferral / active EE | $11,895 | $5,500+116.3% | $5,072+134.5% | $6,407+85.7% |
| Admin fee / account holder | $9,388 | $9,721-3.4% | $8,859+6.0% | $12,270-23.5% |