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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 | $97,988 | $176,077-44.3% | $159,455-38.5% | $167,518-41.5% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.95% | 331.83%-317.9pp | 263.63%-249.7pp | 478.71%-464.8pp |
| Employer contribution / active EE | $3,763 | $5,298-29.0% | $4,830-22.1% | $4,838-22.2% |
| Participant deferral / active EE | $11,147 | $7,751+43.8% | $7,353+51.6% | $6,342+75.8% |
| Admin fee / account holder | $4,782 | $12,556-61.9% | $10,800-55.7% | $12,312-61.2% |