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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 | $57,698 | $114,119-49.4% | $107,187-46.2% | $138,895-58.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 16.96% | 273.21%-256.2pp | 204.55%-187.6pp | 145.39%-128.4pp |
| Employer contribution / active EE | $1,967 | $4,059-51.5% | $3,782-48.0% | $4,194-53.1% |
| Participant deferral / active EE | $8,667 | $5,538+56.5% | $5,096+70.1% | $6,396+35.5% |
| Admin fee / account holder | $1,964 | $10,024-80.4% | $9,162-78.6% | $12,562-84.4% |