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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 | $100,029 | $157,276-36.4% | $141,177-29.1% | $152,885-34.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 21.30% | 64.33%-43.0pp | 71.40%-50.1pp | 345.39%-324.1pp |
| Employer contribution / active EE | $4,254 | $5,262-19.2% | $4,736-10.2% | $4,763-10.7% |
| Participant deferral / active EE | $6,166 | $7,110-13.3% | $6,710-8.1% | $5,851+5.4% |
| Admin fee / account holder | $4,647 | $12,123-61.7% | $10,263-54.7% | $11,598-59.9% |