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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 | $78,769 | $160,028-50.8% | $147,080-46.4% | $145,884-46.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 17.88% | 98.60%-80.7pp | 420.17%-402.3pp | 551.85%-534.0pp |
| Employer contribution / active EE | $3,523 | $5,286-33.3% | $4,933-28.6% | $4,662-24.4% |
| Participant deferral / active EE | $10,810 | $8,422+28.4% | $8,066+34.0% | $6,690+61.6% |
| Admin fee / account holder | $22,521 | $15,030+49.8% | $12,989+73.4% | $13,392+68.2% |