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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 | $93,563 | $157,304-40.5% | $141,197-33.7% | $152,909-38.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.27% | 64.34%-41.1pp | 71.41%-48.1pp | 345.46%-322.2pp |
| Employer contribution / active EE | $3,908 | $5,263-25.7% | $4,736-17.5% | $4,764-18.0% |
| Participant deferral / active EE | $8,793 | $7,111+23.7% | $6,710+31.0% | $5,851+50.3% |
| Admin fee / account holder | $894 | $12,126-92.6% | $10,265-91.3% | $11,601-92.3% |