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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 | $117,662 | $157,304-25.2% | $141,197-16.7% | $152,909-23.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.78% | 64.34%-40.6pp | 71.41%-47.6pp | 345.46%-321.7pp |
| Employer contribution / active EE | $4,625 | $5,263-12.1% | $4,736-2.4% | $4,764-2.9% |
| Participant deferral / active EE | $6,545 | $7,111-8.0% | $6,710-2.5% | $5,851+11.9% |
| Admin fee / account holder | $872 | $12,126-92.8% | $10,265-91.5% | $11,601-92.5% |