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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 | $122,608 | $115,796+5.9% | $101,264+21.1% | $158,950-22.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 16.87% | 56.15%-39.3pp | 46.48%-29.6pp | 302.91%-286.0pp |
| Employer contribution / active EE | $8,519 | $4,175+104.0% | $3,660+132.8% | $4,762+78.9% |
| Participant deferral / active EE | $6,379 | $4,958+28.7% | $4,370+46.0% | $5,983+6.6% |
| Admin fee / account holder | $4,743 | $7,247-34.6% | $5,947-20.3% | $11,248-57.8% |