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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 | $104,867 | $111,535-6.0% | $105,223-0.3% | $137,256-23.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 13.13% | 237.85%-224.7pp | 180.65%-167.5pp | 220.34%-207.2pp |
| Employer contribution / active EE | $5,000 | $3,939+26.9% | $3,689+35.6% | $4,156+20.3% |
| Participant deferral / active EE | $4,192 | $5,500-23.8% | $5,072-17.3% | $6,407-34.6% |
| Admin fee / account holder | $5,875 | $9,721-39.6% | $8,859-33.7% | $12,270-52.1% |