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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 | $133,929 | $152,592-12.2% | $125,180+7.0% | $152,885-12.4% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 14.83% | 54.84%-40.0pp | 43.79%-29.0pp | 345.39%-330.6pp |
| Employer contribution / active EE | $15,946 | $4,947+222.4% | $3,866+312.5% | $4,763+234.8% |
| Participant deferral / active EE | $11,920 | $5,868+103.1% | $4,937+141.4% | $5,851+103.7% |
| Admin fee / account holder | $1,017 | $13,435-92.4% | $9,703-89.5% | $11,598-91.2% |