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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 | $87,246 | $114,119-23.5% | $107,187-18.6% | $138,895-37.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 17.94% | 273.21%-255.3pp | 204.55%-186.6pp | 145.39%-127.5pp |
| Employer contribution / active EE | $5,314 | $4,059+30.9% | $3,782+40.5% | $4,194+26.7% |
| Participant deferral / active EE | $9,667 | $5,538+74.6% | $5,096+89.7% | $6,396+51.1% |
| Admin fee / account holder | $8,957 | $10,024-10.6% | $9,162-2.2% | $12,562-28.7% |