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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 | $123,170 | $157,304-21.7% | $141,197-12.8% | $152,909-19.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.88% | 64.34%-40.5pp | 71.41%-47.5pp | 345.46%-321.6pp |
| Employer contribution / active EE | $1,151 | $5,263-78.1% | $4,736-75.7% | $4,764-75.8% |
| Participant deferral / active EE | $5,772 | $7,111-18.8% | $6,710-14.0% | $5,851-1.4% |
| Admin fee / account holder | $342 | $12,126-97.2% | $10,265-96.7% | $11,601-97.1% |