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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 | $42,651 | $157,276-72.9% | $141,177-69.8% | $152,885-72.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 15.83% | 64.33%-48.5pp | 71.40%-55.6pp | 345.39%-329.6pp |
| Employer contribution / active EE | $5,982 | $5,262+13.7% | $4,736+26.3% | $4,763+25.6% |
| Participant deferral / active EE | $8,033 | $7,110+13.0% | $6,710+19.7% | $5,851+37.3% |
| Admin fee / account holder | $365 | $12,123-97.0% | $10,263-96.4% | $11,598-96.9% |