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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 | $136,860 | $148,623-7.9% | $135,974+0.7% | $139,466-1.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 26.13% | 79.30%-53.2pp | 68.30%-42.2pp | 373.66%-347.5pp |
| Employer contribution / active EE | $12,812 | $5,246+144.2% | $4,859+163.7% | $4,754+169.5% |
| Participant deferral / active EE | $15,160 | $8,103+87.1% | $7,760+95.4% | $6,712+125.9% |
| Admin fee / account holder | $660 | $12,406-94.7% | $10,767-93.9% | $11,409-94.2% |