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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 | $117,212 | $132,634-11.6% | $115,768+1.2% | $137,256-14.6% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 16.54% | 160.70%-144.2pp | 100.46%-83.9pp | 220.34%-203.8pp |
| Employer contribution / active EE | $4,502 | $3,360+34.0% | $2,940+53.1% | $4,156+8.3% |
| Participant deferral / active EE | $18,286 | $5,619+225.5% | $4,917+271.9% | $6,407+185.4% |
| Admin fee / account holder | $5,454 | $15,028-63.7% | $12,439-56.2% | $12,270-55.5% |