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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 | $85,704 | $114,119-24.9% | $107,187-20.0% | $138,895-38.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 43.57% | 273.21%-229.6pp | 204.55%-161.0pp | 145.39%-101.8pp |
| Employer contribution / active EE | $4,073 | $4,059+0.3% | $3,782+7.7% | $4,194-2.9% |
| Participant deferral / active EE | $11,503 | $5,538+107.7% | $5,096+125.7% | $6,396+79.8% |
| Admin fee / account holder | $15,446 | $10,024+54.1% | $9,162+68.6% | $12,562+23.0% |