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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 | $44,426 | $162,136-72.6% | $152,301-70.8% | $154,746-71.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 14.04% | 91.02%-77.0pp | 80.50%-66.5pp | 172.34%-158.3pp |
| Employer contribution / active EE | $6,378 | $4,890+30.4% | $4,624+37.9% | $4,379+45.6% |
| Participant deferral / active EE | $12,275 | $8,341+47.2% | $8,004+53.4% | $6,730+82.4% |
| Admin fee / account holder | $11,405 | $15,759-27.6% | $14,398-20.8% | $14,365-20.6% |