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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 | $129,903 | $157,276-17.4% | $141,177-8.0% | $152,885-15.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 25.40% | 64.33%-38.9pp | 71.40%-46.0pp | 345.39%-320.0pp |
| Employer contribution / active EE | $1,984 | $5,262-62.3% | $4,736-58.1% | $4,763-58.3% |
| Participant deferral / active EE | $10,000 | $7,110+40.6% | $6,710+49.0% | $5,851+70.9% |
| Admin fee / account holder | $647 | $12,123-94.7% | $10,263-93.7% | $11,598-94.4% |