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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 | $27,386 | $157,304-82.6% | $141,197-80.6% | $152,909-82.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 26.79% | 64.34%-37.5pp | 71.41%-44.6pp | 345.46%-318.7pp |
| Employer contribution / active EE | $4,716 | $5,263-10.4% | $4,736-0.4% | $4,764-1.0% |
| Participant deferral / active EE | $9,546 | $7,111+34.2% | $6,710+42.3% | $5,851+63.1% |
| Admin fee / account holder | $7,187 | $12,126-40.7% | $10,265-30.0% | $11,601-38.0% |