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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 | $135,886 | $176,105-22.8% | $159,474-14.8% | $167,536-18.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 20.10% | 331.91%-311.8pp | 263.68%-243.6pp | 478.82%-458.7pp |
| Employer contribution / active EE | $6,282 | $5,299+18.5% | $4,831+30.0% | $4,839+29.8% |
| Participant deferral / active EE | $12,591 | $7,751+62.4% | $7,353+71.2% | $6,342+98.5% |
| Admin fee / account holder | $4,138 | $12,559-67.1% | $10,802-61.7% | $12,315-66.4% |