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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 | $138,000 | $157,296-12.3% | $141,191-2.3% | $152,897-9.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.84% | 64.34%-45.5pp | 71.41%-52.6pp | 345.43%-326.6pp |
| Employer contribution / active EE | $4,167 | $5,262-20.8% | $4,736-12.0% | $4,764-12.5% |
| Participant deferral / active EE | $10,622 | $7,111+49.4% | $6,710+58.3% | $5,851+81.5% |
| Admin fee / account holder | $26,122 | $12,125+115.4% | $10,264+154.5% | $11,599+125.2% |