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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 | $124,774 | $176,402-29.3% | $134,162-7.0% | $158,982-21.5% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 23.47% | 63.66%-40.2pp | 36.35%-12.9pp | 302.99%-279.5pp |
| Employer contribution / active EE | $11,365 | $5,042+125.4% | $3,705+206.8% | $4,763+138.6% |
| Participant deferral / active EE | $9,548 | $4,093+133.3% | $3,500+172.8% | $5,983+59.6% |
| Admin fee / account holder | $1,911 | $8,719-78.1% | $6,685-71.4% | $11,252-83.0% |