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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 | $112,096 | $157,304-28.7% | $141,197-20.6% | $152,909-26.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 15.39% | 64.34%-49.0pp | 71.41%-56.0pp | 345.46%-330.1pp |
| Employer contribution / active EE | $12,872 | $5,263+144.6% | $4,736+171.8% | $4,764+170.2% |
| Participant deferral / active EE | $6,158 | $7,111-13.4% | $6,710-8.2% | $5,851+5.2% |
| Admin fee / account holder | $7,264 | $12,126-40.1% | $10,265-29.2% | $11,601-37.4% |