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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 | $105,635 | $175,231-39.7% | $149,696-29.4% | $139,466-24.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 13.94% | 166.77%-152.8pp | 134.46%-120.5pp | 373.66%-359.7pp |
| Employer contribution / active EE | $6,891 | $5,478+25.8% | $4,821+42.9% | $4,754+44.9% |
| Participant deferral / active EE | $6,544 | $6,521+0.3% | $5,682+15.2% | $6,712-2.5% |
| Admin fee / account holder | $620 | $16,155-96.2% | $13,212-95.3% | $11,409-94.6% |