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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 | $41,064 | $168,636-75.6% | $147,617-72.2% | $125,393-67.3% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | 5.71% | 77.65%-71.9pp | 61.98%-56.3pp | 282.23%-276.5pp |
| Employer contribution / active EE | $9,785 | $6,252+56.5% | $5,565+75.8% | $4,866+101.1% |
| Participant deferral / active EE | $5,908 | $5,507+7.3% | $4,895+20.7% | $5,351+10.4% |
| Admin fee / account holder | $445 | $13,580-96.7% | $11,611-96.2% | $9,541-95.3% |