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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 | $126,540 | $175,257-27.8% | $149,717-15.5% | $139,456-9.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.41% | 166.70%-150.3pp | 134.41%-118.0pp | 373.45%-357.0pp |
| Employer contribution / active EE | $3,240 | $5,477-40.8% | $4,820-32.8% | $4,753-31.8% |
| Participant deferral / active EE | $5,711 | $6,521-12.4% | $5,682+0.5% | $6,711-14.9% |
| Admin fee / account holder | $2,874 | $16,156-82.2% | $13,213-78.2% | $11,407-74.8% |