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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 | $79,615 | $99,053-19.6% | $88,179-9.7% | $138,895-42.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 13.12% | 78.17%-65.1pp | 64.97%-51.9pp | 145.39%-132.3pp |
| Employer contribution / active EE | $4,820 | $2,882+67.2% | $2,549+89.1% | $4,194+14.9% |
| Participant deferral / active EE | $6,631 | $5,225+26.9% | $4,614+43.7% | $6,396+3.7% |
| Admin fee / account holder | $13,461 | $8,748+53.9% | $7,673+75.4% | $12,562+7.2% |