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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 | $104,459 | $144,130-27.5% | $117,861-11.4% | $147,586-29.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 22.34% | 531.20%-508.9pp | 335.11%-312.8pp | 578.59%-556.2pp |
| Employer contribution / active EE | $2,450 | $4,897-50.0% | $3,786-35.3% | $4,876-49.8% |
| Participant deferral / active EE | $5,771 | $5,316+8.6% | $4,482+28.8% | $5,439+6.1% |
| Admin fee / account holder | $19,585 | $10,887+79.9% | $8,021+144.2% | $10,886+79.9% |