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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 | $77,965 | $114,013-31.6% | $103,693-24.8% | $155,188-49.8% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 20.48% | 49.31%-28.8pp | 47.61%-27.1pp | 148.84%-128.4pp |
| Employer contribution / active EE | $14,758 | $3,131+371.3% | $2,920+405.4% | $4,248+247.4% |
| Participant deferral / active EE | $12,748 | $4,970+156.5% | $4,579+178.4% | $6,531+95.2% |
| Admin fee / account holder | $1,658 | $8,407-80.3% | $7,858-78.9% | $14,480-88.5% |