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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 | $68,466 | $88,672-22.8% | $105,223-34.9% | $82,448-17.0% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 19.67% | 30.86%-11.2pp | 180.65%-161.0pp | 41.64%-22.0pp |
| Employer contribution / active EE | $2,034 | $3,048-33.3% | $3,689-44.9% | $2,551-20.3% |
| Participant deferral / active EE | $5,644 | $4,036+39.9% | $5,072+11.3% | $4,139+36.4% |
| Admin fee / account holder | $707 | $7,146-90.1% | $8,859-92.0% | $7,234-90.2% |