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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 | $151,324 | $183,592-17.6% | $155,574-2.7% | $145,877+3.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 18.41% | 61.37%-43.0pp | 64.87%-46.5pp | 551.28%-532.9pp |
| Employer contribution / active EE | $9,252 | $5,317+74.0% | $4,676+97.9% | $4,663+98.4% |
| Participant deferral / active EE | $17,588 | $6,466+172.0% | $5,629+212.4% | $6,691+162.9% |
| Admin fee / account holder | $1,676 | $19,316-91.3% | $15,914-89.5% | $13,402-87.5% |