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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 | $124,349 | $160,040-22.3% | $147,096-15.5% | $145,877-14.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 19.07% | 98.49%-79.4pp | 419.75%-400.7pp | 551.28%-532.2pp |
| Employer contribution / active EE | $13,716 | $5,289+159.3% | $4,936+177.9% | $4,663+194.1% |
| Participant deferral / active EE | $13,023 | $8,429+54.5% | $8,071+61.4% | $6,691+94.6% |
| Admin fee / account holder | $11,924 | $15,050-20.8% | $13,005-8.3% | $13,402-11.0% |