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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 | $76,572 | $183,516-58.3% | $155,534-50.8% | $145,884-47.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.69% | 61.43%-51.7pp | 64.92%-55.2pp | 551.85%-542.2pp |
| Employer contribution / active EE | $4,179 | $5,315-21.4% | $4,675-10.6% | $4,662-10.4% |
| Participant deferral / active EE | $13,707 | $6,467+112.0% | $5,630+143.4% | $6,690+104.9% |
| Admin fee / account holder | $495 | $19,293-97.4% | $15,900-96.9% | $13,392-96.3% |