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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 | $88,506 | $111,535-20.6% | $105,223-15.9% | $137,256-35.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.41% | 237.85%-222.4pp | 180.65%-165.2pp | 220.34%-204.9pp |
| Employer contribution / active EE | $6,904 | $3,939+75.3% | $3,689+87.2% | $4,156+66.1% |
| Participant deferral / active EE | $6,167 | $5,500+12.1% | $5,072+21.6% | $6,407-3.7% |
| Admin fee / account holder | $17,768 | $9,721+82.8% | $8,859+100.6% | $12,270+44.8% |