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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 | $155,061 | $157,296-1.4% | $141,191+9.8% | $152,897+1.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.20% | 64.34%-40.1pp | 71.41%-47.2pp | 345.43%-321.2pp |
| Employer contribution / active EE | $7,601 | $5,262+44.4% | $4,736+60.5% | $4,764+59.6% |
| Participant deferral / active EE | $8,789 | $7,111+23.6% | $6,710+31.0% | $5,851+50.2% |
| Admin fee / account holder | $7,539 | $12,125-37.8% | $10,264-26.5% | $11,599-35.0% |