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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 | $114,574 | $217,432-47.3% | $185,849-38.4% | $167,536-31.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.88% | 148.42%-132.5pp | 122.10%-106.2pp | 478.82%-462.9pp |
| Employer contribution / active EE | $6,130 | $5,875+4.3% | $5,169+18.6% | $4,839+26.7% |
| Participant deferral / active EE | $5,598 | $6,357-11.9% | $5,569+0.5% | $6,342-11.7% |
| Admin fee / account holder | $2,039 | $19,818-89.7% | $16,244-87.4% | $12,315-83.4% |