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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 | $172,682 | $134,817+28.1% | $123,973+39.3% | $155,188+11.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 13.23% | 515.49%-502.3pp | 388.13%-374.9pp | 148.84%-135.6pp |
| Employer contribution / active EE | $3,735 | $4,425-15.6% | $4,126-9.5% | $4,248-12.1% |
| Participant deferral / active EE | $8,392 | $5,706+47.1% | $5,247+59.9% | $6,531+28.5% |
| Admin fee / account holder | $27,868 | $13,245+110.4% | $11,799+136.2% | $14,480+92.5% |