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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 | $83,286 | $134,817-38.2% | $123,973-32.8% | $155,188-46.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 12.56% | 515.49%-502.9pp | 388.13%-375.6pp | 148.84%-136.3pp |
| Employer contribution / active EE | $5,138 | $4,425+16.1% | $4,126+24.5% | $4,248+21.0% |
| Participant deferral / active EE | $13,549 | $5,706+137.4% | $5,247+158.2% | $6,531+107.5% |
| Admin fee / account holder | $18,530 | $13,245+39.9% | $11,799+57.0% | $14,480+28.0% |