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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 | $115,315 | $157,304-26.7% | $141,197-18.3% | $152,909-24.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.50% | 64.34%-43.8pp | 71.41%-50.9pp | 345.46%-325.0pp |
| Employer contribution / active EE | $4,035 | $5,263-23.3% | $4,736-14.8% | $4,764-15.3% |
| Participant deferral / active EE | $11,502 | $7,111+61.8% | $6,710+71.4% | $5,851+96.6% |
| Admin fee / account holder | $444 | $12,126-96.3% | $10,265-95.7% | $11,601-96.2% |