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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 | $97,664 | $196,972-50.4% | $182,262-46.4% | $198,609-50.8% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 16.25% | 158.27%-142.0pp | 140.60%-124.3pp | 202.70%-186.4pp |
| Employer contribution / active EE | $4,717 | $5,364-12.0% | $5,046-6.5% | $5,055-6.7% |
| Participant deferral / active EE | $12,092 | $8,643+39.9% | $8,276+46.1% | $6,977+73.3% |
| Admin fee / account holder | $11,484 | $18,429-37.7% | $16,712-31.3% | $19,030-39.7% |