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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 | $129,548 | $183,592-29.4% | $155,574-16.7% | $145,877-11.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.86% | 61.37%-45.5pp | 64.87%-49.0pp | 551.28%-535.4pp |
| Employer contribution / active EE | $1,574 | $5,317-70.4% | $4,676-66.3% | $4,663-66.2% |
| Participant deferral / active EE | $5,551 | $6,466-14.1% | $5,629-1.4% | $6,691-17.0% |
| Admin fee / account holder | $840 | $19,316-95.7% | $15,914-94.7% | $13,402-93.7% |