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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 | $119,777 | $217,432-44.9% | $185,849-35.6% | $167,536-28.5% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 16.45% | 148.42%-132.0pp | 122.10%-105.6pp | 478.82%-462.4pp |
| Employer contribution / active EE | $8,091 | $5,875+37.7% | $5,169+56.5% | $4,839+67.2% |
| Participant deferral / active EE | $8,418 | $6,357+32.4% | $5,569+51.2% | $6,342+32.7% |
| Admin fee / account holder | $4,796 | $19,818-75.8% | $16,244-70.5% | $12,315-61.1% |