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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 | $128,234 | $198,461-35.4% | $170,436-24.8% | $147,585-13.1% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 13.15% | 257.30%-244.1pp | 205.94%-192.8pp | 578.57%-565.4pp |
| Employer contribution / active EE | $8,153 | $6,184+31.9% | $5,433+50.1% | $4,876+67.2% |
| Participant deferral / active EE | $10,299 | $5,629+82.9% | $4,939+108.5% | $5,439+89.4% |
| Admin fee / account holder | $3,698 | $16,852-78.1% | $13,880-73.4% | $10,885-66.0% |