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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 | $119,719 | $134,817-11.2% | $123,973-3.4% | $155,188-22.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 18.78% | 515.49%-496.7pp | 388.13%-369.4pp | 148.84%-130.1pp |
| Employer contribution / active EE | $3,335 | $4,425-24.6% | $4,126-19.2% | $4,248-21.5% |
| Participant deferral / active EE | $10,031 | $5,706+75.8% | $5,247+91.2% | $6,531+53.6% |
| Admin fee / account holder | $1,294 | $13,245-90.2% | $11,799-89.0% | $14,480-91.1% |