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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 | $127,884 | $126,113+1.4% | $116,096+10.2% | $155,188-17.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 73.3%+26.7pp | 80.8%+19.2pp |
| Annual return | 12.63% | 391.72%-379.1pp | 326.25%-313.6pp | 148.84%-136.2pp |
| Employer contribution / active EE | $12,720 | $2,672+376.1% | $2,503+408.1% | $4,248+199.5% |
| Participant deferral / active EE | $0 | $4,162-100.0% | $3,952-100.0% | $6,531-100.0% |
| Admin fee / account holder | $4,701 | $8,045-41.6% | $7,704-39.0% | $14,480-67.5% |