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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 | $74,579 | $175,259-57.4% | $149,723-50.2% | $139,487-46.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 20.92% | 166.82%-145.9pp | 134.50%-113.6pp | 373.84%-352.9pp |
| Employer contribution / active EE | $1,984 | $5,478-63.8% | $4,821-58.8% | $4,755-58.3% |
| Participant deferral / active EE | $12,855 | $6,522+97.1% | $5,682+126.2% | $6,713+91.5% |
| Admin fee / account holder | $385 | $16,158-97.6% | $13,215-97.1% | $11,407-96.6% |