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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 | $69,164 | $142,426-51.4% | $115,167-39.9% | $152,909-54.8% |
| Participation rate | 100.0% | 82.4%+17.6pp | 75.9%+24.1pp | 82.5%+17.5pp |
| Annual return | 14.39% | 41.48%-27.1pp | 35.60%-21.2pp | 345.46%-331.1pp |
| Employer contribution / active EE | $4,240 | $4,011+5.7% | $3,179+33.4% | $4,764-11.0% |
| Participant deferral / active EE | $4,313 | $5,165-16.5% | $4,169+3.5% | $5,851-26.3% |
| Admin fee / account holder | $526 | $8,464-93.8% | $7,089-92.6% | $11,601-95.5% |