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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 | $94,632 | $217,432-56.5% | $185,849-49.1% | $167,536-43.5% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.78% | 148.42%-133.6pp | 122.10%-107.3pp | 478.82%-464.0pp |
| Employer contribution / active EE | $8,950 | $5,875+52.3% | $5,169+73.2% | $4,839+85.0% |
| Participant deferral / active EE | $12,920 | $6,357+103.2% | $5,569+132.0% | $6,342+103.7% |
| Admin fee / account holder | $3,942 | $19,818-80.1% | $16,244-75.7% | $12,315-68.0% |