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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 | $121,422 | $100,073+21.3% | $85,126+42.6% | $145,877-16.8% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 10.89% | 84.11%-73.2pp | 66.63%-55.7pp | 551.28%-540.4pp |
| Employer contribution / active EE | $3,074 | $3,236-5.0% | $2,731+12.5% | $4,663-34.1% |
| Participant deferral / active EE | $2,813 | $5,294-46.9% | $4,523-37.8% | $6,691-58.0% |
| Admin fee / account holder | $452 | $7,261-93.8% | $6,160-92.7% | $13,402-96.6% |