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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 | $84,784 | $105,210-19.4% | $159,487-46.8% | $85,851-1.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 19.47% | 45.08%-25.6pp | 263.71%-244.2pp | 318.63%-299.2pp |
| Employer contribution / active EE | $2,978 | $3,319-10.3% | $4,831-38.4% | $2,565+16.1% |
| Participant deferral / active EE | $6,431 | $5,946+8.2% | $7,354-12.5% | $3,952+62.7% |
| Admin fee / account holder | $717 | $6,934-89.7% | $10,804-93.4% | $6,261-88.5% |