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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 | $71,675 | $110,093-34.9% | $97,295-26.3% | $145,897-50.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 18.92% | 244.76%-225.8pp | 75.62%-56.7pp | 552.29%-533.4pp |
| Employer contribution / active EE | $4,499 | $3,077+46.2% | $2,723+65.2% | $4,663-3.5% |
| Participant deferral / active EE | $13,914 | $4,678+197.5% | $4,264+226.4% | $6,689+108.0% |
| Admin fee / account holder | $4,996 | $6,212-19.6% | $5,646-11.5% | $13,390-62.7% |