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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 | $101,918 | $157,296-35.2% | $141,191-27.8% | $152,897-33.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.74% | 64.34%-39.6pp | 71.41%-46.7pp | 345.43%-320.7pp |
| Employer contribution / active EE | $5,896 | $5,262+12.0% | $4,736+24.5% | $4,764+23.8% |
| Participant deferral / active EE | $13,112 | $7,111+84.4% | $6,710+95.4% | $5,851+124.1% |
| Admin fee / account holder | $355 | $12,125-97.1% | $10,264-96.5% | $11,599-96.9% |