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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 | $73,038 | $105,200-30.6% | $159,474-54.2% | $85,847-14.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 19.28% | 45.08%-25.8pp | 263.68%-244.4pp | 318.61%-299.3pp |
| Employer contribution / active EE | $2,916 | $3,319-12.1% | $4,831-39.6% | $2,565+13.7% |
| Participant deferral / active EE | $4,118 | $5,946-30.7% | $7,353-44.0% | $3,952+4.2% |
| Admin fee / account holder | $1,798 | $6,934-74.1% | $10,802-83.4% | $6,261-71.3% |