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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 | $112,566 | $165,361-31.9% | $149,715-24.8% | $158,950-29.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 24.45% | 348.24%-323.8pp | 276.66%-252.2pp | 302.91%-278.5pp |
| Employer contribution / active EE | $9,443 | $5,103+85.0% | $4,645+103.3% | $4,762+98.3% |
| Participant deferral / active EE | $3,902 | $7,182-45.7% | $6,842-43.0% | $5,983-34.8% |
| Admin fee / account holder | $1,151 | $10,808-89.3% | $9,310-87.6% | $11,248-89.8% |