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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 | $127,817 | $183,539-30.4% | $155,556-17.8% | $145,897-12.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 51.50% | 61.31%-9.8pp | 64.84%-13.3pp | 552.29%-500.8pp |
| Employer contribution / active EE | $3,289 | $5,315-38.1% | $4,675-29.7% | $4,663-29.5% |
| Participant deferral / active EE | $3,334 | $6,467-48.4% | $5,631-40.8% | $6,689-50.2% |
| Admin fee / account holder | $792 | $19,275-95.9% | $15,885-95.0% | $13,390-94.1% |