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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 | $100,127 | $198,461-49.5% | $170,436-41.3% | $147,585-32.2% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 12.95% | 257.30%-244.4pp | 205.94%-193.0pp | 578.57%-565.6pp |
| Employer contribution / active EE | $4,140 | $6,184-33.0% | $5,433-23.8% | $4,876-15.1% |
| Participant deferral / active EE | $7,422 | $5,629+31.8% | $4,939+50.3% | $5,439+36.5% |
| Admin fee / account holder | $2,204 | $16,852-86.9% | $13,880-84.1% | $10,885-79.8% |