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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 | $80,694 | $124,346-35.1% | $111,308-27.5% | $167,536-51.8% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 16.25% | 37.45%-21.2pp | 54.67%-38.4pp | 478.82%-462.6pp |
| Employer contribution / active EE | $1,289 | $3,437-62.5% | $2,732-52.8% | $4,839-73.4% |
| Participant deferral / active EE | $4,380 | $5,182-15.5% | $4,487-2.4% | $6,342-30.9% |
| Admin fee / account holder | $862 | $10,621-91.9% | $7,965-89.2% | $12,315-93.0% |