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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 | $93,561 | $157,304-40.5% | $141,197-33.7% | $152,909-38.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.15% | 64.34%-45.2pp | 71.41%-52.3pp | 345.46%-326.3pp |
| Employer contribution / active EE | $7,209 | $5,263+37.0% | $4,736+52.2% | $4,764+51.3% |
| Participant deferral / active EE | $6,351 | $7,111-10.7% | $6,710-5.3% | $5,851+8.5% |
| Admin fee / account holder | $3,854 | $12,126-68.2% | $10,265-62.5% | $11,601-66.8% |