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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 | $100,744 | $217,432-53.7% | $185,849-45.8% | $167,536-39.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.23% | 148.42%-136.2pp | 122.10%-109.9pp | 478.82%-466.6pp |
| Employer contribution / active EE | $9,789 | $5,875+66.6% | $5,169+89.4% | $4,839+102.3% |
| Participant deferral / active EE | $7,253 | $6,357+14.1% | $5,569+30.2% | $6,342+14.4% |
| Admin fee / account holder | $810 | $19,818-95.9% | $16,244-95.0% | $12,315-93.4% |