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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 | $87,787 | $209,405-58.1% | $178,486-50.8% | $158,931-44.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 11.43% | 188.77%-177.3pp | 151.08%-139.7pp | 302.86%-291.4pp |
| Employer contribution / active EE | $4,040 | $5,707-29.2% | $5,011-19.4% | $4,761-15.2% |
| Participant deferral / active EE | $6,045 | $5,954+1.5% | $5,202+16.2% | $5,982+1.1% |
| Admin fee / account holder | $3,647 | $17,076-78.6% | $13,985-73.9% | $11,247-67.6% |