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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 | $119,524 | $197,594-39.5% | $177,822-32.8% | $158,931-24.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 14.48% | 58.76%-44.3pp | 48.32%-33.8pp | 302.86%-288.4pp |
| Employer contribution / active EE | $12,572 | $6,697+87.7% | $5,918+112.4% | $4,761+164.0% |
| Participant deferral / active EE | $8,146 | $8,405-3.1% | $7,714+5.6% | $5,982+36.2% |
| Admin fee / account holder | $2,895 | $15,400-81.2% | $12,428-76.7% | $11,247-74.3% |