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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 | $97,126 | $111,535-12.9% | $105,223-7.7% | $137,256-29.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 14.16% | 237.85%-223.7pp | 180.65%-166.5pp | 220.34%-206.2pp |
| Employer contribution / active EE | $2,236 | $3,939-43.2% | $3,689-39.4% | $4,156-46.2% |
| Participant deferral / active EE | $4,875 | $5,500-11.4% | $5,072-3.9% | $6,407-23.9% |
| Admin fee / account holder | $1,118 | $9,721-88.5% | $8,859-87.4% | $12,270-90.9% |