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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 | $125,985 | $157,304-19.9% | $141,197-10.8% | $152,909-17.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 17.93% | 64.34%-46.4pp | 71.41%-53.5pp | 345.46%-327.5pp |
| Employer contribution / active EE | $4,277 | $5,263-18.7% | $4,736-9.7% | $4,764-10.2% |
| Participant deferral / active EE | $3,547 | $7,111-50.1% | $6,710-47.1% | $5,851-39.4% |
| Admin fee / account holder | $867 | $12,126-92.8% | $10,265-91.6% | $11,601-92.5% |