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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 | $55,937 | $157,304-64.4% | $141,197-60.4% | $152,909-63.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.37% | 64.34%-46.0pp | 71.41%-53.0pp | 345.46%-327.1pp |
| Employer contribution / active EE | $5,000 | $5,263-5.0% | $4,736+5.6% | $4,764+5.0% |
| Participant deferral / active EE | $3,727 | $7,111-47.6% | $6,710-44.5% | $5,851-36.3% |
| Admin fee / account holder | $423 | $12,126-96.5% | $10,265-95.9% | $11,601-96.4% |