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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 | $122,635 | $226,135-45.8% | $182,558-32.8% | $152,909-19.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 16.32% | 192.60%-176.3pp | 148.59%-132.3pp | 345.46%-329.1pp |
| Employer contribution / active EE | $1,551 | $4,979-68.8% | $4,076-61.9% | $4,764-67.4% |
| Participant deferral / active EE | $12,500 | $6,371+96.2% | $5,526+126.2% | $5,851+113.6% |
| Admin fee / account holder | $7,184 | $10,707-32.9% | $8,594-16.4% | $11,601-38.1% |