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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 | $30,771 | $111,535-72.4% | $105,223-70.8% | $137,256-77.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 18.25% | 237.85%-219.6pp | 180.65%-162.4pp | 220.34%-202.1pp |
| Employer contribution / active EE | $5,276 | $3,939+33.9% | $3,689+43.0% | $4,156+26.9% |
| Participant deferral / active EE | $6,996 | $5,500+27.2% | $5,072+37.9% | $6,407+9.2% |
| Admin fee / account holder | $3,545 | $9,721-63.5% | $8,859-60.0% | $12,270-71.1% |