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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 | $96,929 | $111,535-13.1% | $105,223-7.9% | $137,256-29.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.77% | 237.85%-221.1pp | 180.65%-163.9pp | 220.34%-203.6pp |
| Employer contribution / active EE | $4,390 | $3,939+11.4% | $3,689+19.0% | $4,156+5.6% |
| Participant deferral / active EE | $16,361 | $5,500+197.5% | $5,072+222.6% | $6,407+155.4% |
| Admin fee / account holder | $1,769 | $9,721-81.8% | $8,859-80.0% | $12,270-85.6% |