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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 | $59,384 | $134,817-56.0% | $123,973-52.1% | $155,188-61.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 16.87% | 515.49%-498.6pp | 388.13%-371.3pp | 148.84%-132.0pp |
| Employer contribution / active EE | $2,912 | $4,425-34.2% | $4,126-29.4% | $4,248-31.5% |
| Participant deferral / active EE | $11,195 | $5,706+96.2% | $5,247+113.4% | $6,531+71.4% |
| Admin fee / account holder | $13,102 | $13,245-1.1% | $11,799+11.0% | $14,480-9.5% |