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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 | $119,059 | $209,425-43.1% | $178,499-33.3% | $158,966-25.1% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 8.55% | 188.80%-180.2pp | 151.10%-142.5pp | 302.95%-294.4pp |
| Employer contribution / active EE | $7,431 | $5,707+30.2% | $5,011+48.3% | $4,762+56.0% |
| Participant deferral / active EE | $4,985 | $5,955-16.3% | $5,202-4.2% | $5,983-16.7% |
| Admin fee / account holder | $11,399 | $17,078-33.3% | $13,986-18.5% | $11,250+1.3% |