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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 | $139,584 | $196,972-29.1% | $182,262-23.4% | $198,609-29.7% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 16.95% | 158.27%-141.3pp | 140.60%-123.6pp | 202.70%-185.7pp |
| Employer contribution / active EE | $6,243 | $5,364+16.4% | $5,046+23.7% | $5,055+23.5% |
| Participant deferral / active EE | $16,221 | $8,643+87.7% | $8,276+96.0% | $6,977+132.5% |
| Admin fee / account holder | $11,077 | $18,429-39.9% | $16,712-33.7% | $19,030-41.8% |