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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 | $81,497 | $157,304-48.2% | $141,197-42.3% | $152,909-46.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.92% | 64.34%-45.4pp | 71.41%-52.5pp | 345.46%-326.5pp |
| Employer contribution / active EE | $4,444 | $5,263-15.6% | $4,736-6.2% | $4,764-6.7% |
| Participant deferral / active EE | $7,143 | $7,111+0.4% | $6,710+6.4% | $5,851+22.1% |
| Admin fee / account holder | $656 | $12,126-94.6% | $10,265-93.6% | $11,601-94.3% |