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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 | $87,189 | $134,817-35.3% | $123,973-29.7% | $155,188-43.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 8.81% | 515.49%-506.7pp | 388.13%-379.3pp | 148.84%-140.0pp |
| Employer contribution / active EE | $2,173 | $4,425-50.9% | $4,126-47.3% | $4,248-48.9% |
| Participant deferral / active EE | $9,360 | $5,706+64.0% | $5,247+78.4% | $6,531+43.3% |
| Admin fee / account holder | $1,354 | $13,245-89.8% | $11,799-88.5% | $14,480-90.6% |