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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 | $66,141 | $107,368-38.4% | $92,915-28.8% | $152,909-56.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 19.16% | 145.64%-126.5pp | 109.45%-90.3pp | 345.46%-326.3pp |
| Employer contribution / active EE | $3,336 | $4,222-21.0% | $3,653-8.7% | $4,764-30.0% |
| Participant deferral / active EE | $9,332 | $4,848+92.5% | $4,238+120.2% | $5,851+59.5% |
| Admin fee / account holder | $1,093 | $7,082-84.6% | $5,796-81.1% | $11,601-90.6% |