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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 | $84,010 | $176,105-52.3% | $159,474-47.3% | $167,536-49.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.08% | 331.91%-319.8pp | 263.68%-251.6pp | 478.82%-466.7pp |
| Employer contribution / active EE | $1,869 | $5,299-64.7% | $4,831-61.3% | $4,839-61.4% |
| Participant deferral / active EE | $4,286 | $7,751-44.7% | $7,353-41.7% | $6,342-32.4% |
| Admin fee / account holder | $665 | $12,559-94.7% | $10,802-93.8% | $12,315-94.6% |