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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 | $106,069 | $157,296-32.6% | $141,191-24.9% | $152,897-30.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 17.71% | 64.34%-46.6pp | 71.41%-53.7pp | 345.43%-327.7pp |
| Employer contribution / active EE | $1,373 | $5,262-73.9% | $4,736-71.0% | $4,764-71.2% |
| Participant deferral / active EE | $5,385 | $7,111-24.3% | $6,710-19.8% | $5,851-8.0% |
| Admin fee / account holder | $11,032 | $12,125-9.0% | $10,264+7.5% | $11,599-4.9% |