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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 | $86,353 | $88,672-2.6% | $105,223-17.9% | $82,448+4.7% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 24.96% | 30.86%-5.9pp | 180.65%-155.7pp | 41.64%-16.7pp |
| Employer contribution / active EE | $5,147 | $3,048+68.9% | $3,689+39.5% | $2,551+101.8% |
| Participant deferral / active EE | $12,712 | $4,036+215.0% | $5,072+150.7% | $4,139+207.1% |
| Admin fee / account holder | $3,158 | $7,146-55.8% | $8,859-64.4% | $7,234-56.3% |