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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 | $105,132 | $118,708-11.4% | $98,920+6.3% | $158,982-33.9% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.0%+24.0pp | 82.0%+18.0pp |
| Annual return | 12.86% | 372.49%-359.6pp | 196.47%-183.6pp | 302.99%-290.1pp |
| Employer contribution / active EE | $3,223 | $3,334-3.3% | $2,689+19.9% | $4,763-32.3% |
| Participant deferral / active EE | $3,559 | $5,089-30.1% | $4,245-16.2% | $5,983-40.5% |
| Admin fee / account holder | $653 | $10,134-93.6% | $6,643-90.2% | $11,252-94.2% |