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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 | $58,364 | $169,356-65.5% | $129,406-54.9% | $145,897-60.0% |
| Participation rate | 80.0% | 76.5%+3.5pp | 69.6%+10.4pp | 80.3%-0.3pp |
| Annual return | 13.25% | 14418.62%-14405.4pp | 9468.18%-9454.9pp | 552.29%-539.0pp |
| Employer contribution / active EE | $3,558 | $5,542-35.8% | $4,155-14.4% | $4,663-23.7% |
| Participant deferral / active EE | $12,377 | $4,987+148.2% | $4,167+197.0% | $6,689+85.0% |
| Admin fee / account holder | $10,355 | $9,915+4.4% | $7,689+34.7% | $13,390-22.7% |