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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 | $107,572 | $109,908-2.1% | $97,161+10.7% | $145,978-26.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 14.57% | 243.80%-229.2pp | 75.36%-60.8pp | 550.52%-536.0pp |
| Employer contribution / active EE | $2,919 | $3,077-5.1% | $2,723+7.2% | $4,662-37.4% |
| Participant deferral / active EE | $10,021 | $4,679+114.2% | $4,265+135.0% | $6,690+49.8% |
| Admin fee / account holder | $809 | $6,213-87.0% | $5,647-85.7% | $13,400-94.0% |