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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 | $117,212 | $132,099-11.3% | $115,599+1.4% | $138,895-15.6% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 16.54% | 176.76%-160.2pp | 111.10%-94.6pp | 145.39%-128.9pp |
| Employer contribution / active EE | $4,502 | $3,416+31.8% | $2,955+52.3% | $4,194+7.3% |
| Participant deferral / active EE | $18,286 | $5,617+225.5% | $4,889+274.0% | $6,396+185.9% |
| Admin fee / account holder | $5,454 | $15,650-65.1% | $12,841-57.5% | $12,562-56.6% |