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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 | $74,371 | $70,366+5.7% | $66,674+11.5% | $138,895-46.5% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 16.23% | 386.41%-370.2pp | 321.24%-305.0pp | 145.39%-129.2pp |
| Employer contribution / active EE | $4,008 | $2,765+45.0% | $2,620+53.0% | $4,194-4.4% |
| Participant deferral / active EE | $8,688 | $4,374+98.6% | $4,084+112.7% | $6,396+35.8% |
| Admin fee / account holder | $4,393 | $5,262-16.5% | $5,098-13.8% | $12,562-65.0% |