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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 | $109,246 | $157,304-30.6% | $141,197-22.6% | $152,909-28.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.94% | 64.34%-45.4pp | 71.41%-52.5pp | 345.46%-326.5pp |
| Employer contribution / active EE | $5,013 | $5,263-4.7% | $4,736+5.8% | $4,764+5.2% |
| Participant deferral / active EE | $9,516 | $7,111+33.8% | $6,710+41.8% | $5,851+62.6% |
| Admin fee / account holder | $2,884 | $12,126-76.2% | $10,265-71.9% | $11,601-75.1% |