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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 | $123,871 | $132,634-6.6% | $115,768+7.0% | $137,256-9.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 16.27% | 160.70%-144.4pp | 100.46%-84.2pp | 220.34%-204.1pp |
| Employer contribution / active EE | $4,729 | $3,360+40.8% | $2,940+60.9% | $4,156+13.8% |
| Participant deferral / active EE | $7,469 | $5,619+32.9% | $4,917+51.9% | $6,407+16.6% |
| Admin fee / account holder | $2,389 | $15,028-84.1% | $12,439-80.8% | $12,270-80.5% |