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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 | $81,845 | $107,363-23.8% | $92,909-11.9% | $152,897-46.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 21.64% | 145.63%-124.0pp | 109.44%-87.8pp | 345.43%-323.8pp |
| Employer contribution / active EE | $4,125 | $4,222-2.3% | $3,653+12.9% | $4,764-13.4% |
| Participant deferral / active EE | $6,165 | $4,848+27.2% | $4,238+45.5% | $5,851+5.4% |
| Admin fee / account holder | $1,237 | $7,082-82.5% | $5,795-78.7% | $11,599-89.3% |