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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 | $54,648 | $176,402-69.0% | $134,162-59.3% | $158,966-65.6% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 13.10% | 63.66%-50.6pp | 36.35%-23.2pp | 302.95%-289.8pp |
| Employer contribution / active EE | $8,801 | $5,042+74.5% | $3,705+137.5% | $4,762+84.8% |
| Participant deferral / active EE | $5,398 | $4,093+31.9% | $3,500+54.3% | $5,983-9.8% |
| Admin fee / account holder | $567 | $8,719-93.5% | $6,685-91.5% | $11,250-95.0% |