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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 | $122,548 | $165,939-26.1% | $122,354+0.2% | $147,586-17.0% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 21.45% | 34.56%-13.1pp | 30.28%-8.8pp | 578.59%-557.1pp |
| Employer contribution / active EE | $22,299 | $5,754+287.5% | $4,051+450.5% | $4,876+357.3% |
| Participant deferral / active EE | $3,614 | $4,005-9.8% | $3,287+9.9% | $5,439-33.6% |
| Admin fee / account holder | $8,025 | $7,425+8.1% | $5,479+46.5% | $10,886-26.3% |