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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 | $96,927 | $197,594-50.9% | $177,822-45.5% | $158,931-39.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 18.43% | 58.76%-40.3pp | 48.32%-29.9pp | 302.86%-284.4pp |
| Employer contribution / active EE | $15,790 | $6,697+135.8% | $5,918+166.8% | $4,761+231.6% |
| Participant deferral / active EE | $12,284 | $8,405+46.2% | $7,714+59.2% | $5,982+105.3% |
| Admin fee / account holder | $2,687 | $15,400-82.6% | $12,428-78.4% | $11,247-76.1% |