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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 | $88,628 | $118,708-25.3% | $98,920-10.4% | $158,982-44.3% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.0%+24.0pp | 82.0%+18.0pp |
| Annual return | 13.01% | 372.49%-359.5pp | 196.47%-183.5pp | 302.99%-290.0pp |
| Employer contribution / active EE | $5,526 | $3,334+65.7% | $2,689+105.5% | $4,763+16.0% |
| Participant deferral / active EE | $5,042 | $5,089-0.9% | $4,245+18.8% | $5,983-15.7% |
| Admin fee / account holder | $8,827 | $10,134-12.9% | $6,643+32.9% | $11,252-21.6% |