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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 | $80,192 | $129,737-38.2% | $119,126-32.7% | $154,746-48.2% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 20.51% | 379.08%-358.6pp | 282.11%-261.6pp | 172.34%-151.8pp |
| Employer contribution / active EE | $40,399 | $4,375+823.4% | $4,034+901.6% | $4,379+822.5% |
| Participant deferral / active EE | $11,813 | $5,842+102.2% | $5,318+122.1% | $6,730+75.5% |
| Admin fee / account holder | $1,122 | $11,961-90.6% | $10,693-89.5% | $14,365-92.2% |