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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 | $53,223 | $165,584-67.9% | $142,942-62.8% | $137,256-61.2% |
| Participation rate | 100.0% | 80.1%+19.9pp | 76.8%+23.2pp | 80.0%+20.0pp |
| Annual return | 18.34% | 164.22%-145.9pp | 113.70%-95.4pp | 220.34%-202.0pp |
| Employer contribution / active EE | $4,500 | $4,725-4.8% | $4,139+8.7% | $4,156+8.3% |
| Participant deferral / active EE | $13,250 | $8,194+61.7% | $7,128+85.9% | $6,407+106.8% |
| Admin fee / account holder | $978 | $16,167-94.0% | $12,475-92.2% | $12,270-92.0% |