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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 | $127,977 | $289,211-55.7% | $260,467-50.9% | $198,609-35.6% |
| Participation rate | 100.0% | 83.1%+16.9pp | 80.5%+19.5pp | 82.4%+17.6pp |
| Annual return | 16.26% | 112.90%-96.6pp | 100.60%-84.3pp | 202.70%-186.4pp |
| Employer contribution / active EE | $4,832 | $4,663+3.6% | $4,239+14.0% | $5,055-4.4% |
| Participant deferral / active EE | $10,312 | $6,812+51.4% | $6,319+63.2% | $6,977+47.8% |
| Admin fee / account holder | $8,284 | $16,236-49.0% | $15,461-46.4% | $19,030-56.5% |