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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 | $83,538 | $176,120-52.6% | $159,487-47.6% | $167,553-50.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 27.62% | 331.95%-304.3pp | 263.71%-236.1pp | 478.89%-451.3pp |
| Employer contribution / active EE | $12,143 | $5,299+129.1% | $4,831+151.4% | $4,840+150.9% |
| Participant deferral / active EE | $11,359 | $7,752+46.5% | $7,354+54.5% | $6,343+79.1% |
| Admin fee / account holder | $4,389 | $12,561-65.1% | $10,804-59.4% | $12,316-64.4% |