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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 | $131,586 | $157,296-16.3% | $141,191-6.8% | $152,897-13.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 17.72% | 64.34%-46.6pp | 71.41%-53.7pp | 345.43%-327.7pp |
| Employer contribution / active EE | $1,768 | $5,262-66.4% | $4,736-62.7% | $4,764-62.9% |
| Participant deferral / active EE | $3,523 | $7,111-50.5% | $6,710-47.5% | $5,851-39.8% |
| Admin fee / account holder | $2,623 | $12,125-78.4% | $10,264-74.4% | $11,599-77.4% |