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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 | $162,170 | $102,385+58.4% | $147,080+10.3% | $80,935+100.4% |
| Participation rate | 98.5% | 75.9%+22.6pp | 82.2%+16.3pp | 67.7%+30.8pp |
| Annual return | 12.11% | 135.09%-123.0pp | 420.17%-408.1pp | 35.66%-23.5pp |
| Employer contribution / active EE | $4,260 | $3,717+14.6% | $4,933-13.7% | $2,757+54.5% |
| Participant deferral / active EE | $8,757 | $6,651+31.7% | $8,066+8.6% | $4,299+103.7% |
| Admin fee / account holder | $5,040 | $7,951-36.6% | $12,989-61.2% | $6,924-27.2% |