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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 | $120,329 | $157,296-23.5% | $141,191-14.8% | $152,897-21.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.34% | 64.34%-46.0pp | 71.41%-53.1pp | 345.43%-327.1pp |
| Employer contribution / active EE | $2,533 | $5,262-51.9% | $4,736-46.5% | $4,764-46.8% |
| Participant deferral / active EE | $8,625 | $7,111+21.3% | $6,710+28.5% | $5,851+47.4% |
| Admin fee / account holder | $1,398 | $12,125-88.5% | $10,264-86.4% | $11,599-87.9% |