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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 | $59,503 | $105,200-43.4% | $159,474-62.7% | $85,847-30.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 17.55% | 45.08%-27.5pp | 263.68%-246.1pp | 318.61%-301.1pp |
| Employer contribution / active EE | $3,217 | $3,319-3.1% | $4,831-33.4% | $2,565+25.4% |
| Participant deferral / active EE | $8,840 | $5,946+48.7% | $7,353+20.2% | $3,952+123.7% |
| Admin fee / account holder | $2,847 | $6,934-58.9% | $10,802-73.6% | $6,261-54.5% |