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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 | $99,598 | $157,304-36.7% | $141,197-29.5% | $152,909-34.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.12% | 64.34%-46.2pp | 71.41%-53.3pp | 345.46%-327.3pp |
| Employer contribution / active EE | $2,283 | $5,263-56.6% | $4,736-51.8% | $4,764-52.1% |
| Participant deferral / active EE | $6,659 | $7,111-6.4% | $6,710-0.8% | $5,851+13.8% |
| Admin fee / account holder | $6,040 | $12,126-50.2% | $10,265-41.2% | $11,601-47.9% |