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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 | $128,981 | $125,778+2.5% | $114,563+12.6% | $154,746-16.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.9%+27.1pp | 80.7%+19.3pp |
| Annual return | 13.18% | 295.14%-282.0pp | 241.09%-227.9pp | 172.34%-159.2pp |
| Employer contribution / active EE | $1,919 | $2,806-31.6% | $2,592-26.0% | $4,379-56.2% |
| Participant deferral / active EE | $1,919 | $4,445-56.8% | $4,142-53.7% | $6,730-71.5% |
| Admin fee / account holder | $4,560 | $8,190-44.3% | $7,623-40.2% | $14,365-68.3% |