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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 | $67,319 | $105,149-36.0% | $94,659-28.9% | $139,427-51.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 15.52% | 38.04%-22.5pp | 156.75%-141.2pp | 373.27%-357.7pp |
| Employer contribution / active EE | $6,428 | $4,106+56.5% | $3,673+75.0% | $4,752+35.3% |
| Participant deferral / active EE | $10,658 | $7,600+40.2% | $7,419+43.7% | $6,711+58.8% |
| Admin fee / account holder | $872 | $8,986-90.3% | $7,232-87.9% | $11,404-92.4% |