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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 | $68,445 | $157,276-56.5% | $141,177-51.5% | $152,885-55.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.24% | 64.33%-45.1pp | 71.40%-52.2pp | 345.39%-326.2pp |
| Employer contribution / active EE | $9,060 | $5,262+72.2% | $4,736+91.3% | $4,763+90.2% |
| Participant deferral / active EE | $7,741 | $7,110+8.9% | $6,710+15.4% | $5,851+32.3% |
| Admin fee / account holder | $7,183 | $12,123-40.7% | $10,263-30.0% | $11,598-38.1% |