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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 | $91,227 | $157,296-42.0% | $141,191-35.4% | $152,897-40.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.18% | 64.34%-44.2pp | 71.41%-51.2pp | 345.43%-325.3pp |
| Employer contribution / active EE | $4,728 | $5,262-10.2% | $4,736-0.2% | $4,764-0.8% |
| Participant deferral / active EE | $10,797 | $7,111+51.8% | $6,710+60.9% | $5,851+84.5% |
| Admin fee / account holder | $1,542 | $12,125-87.3% | $10,264-85.0% | $11,599-86.7% |