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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 | $88,610 | $157,296-43.7% | $141,191-37.2% | $152,897-42.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.39% | 64.34%-45.9pp | 71.41%-53.0pp | 345.43%-327.0pp |
| Employer contribution / active EE | $3,664 | $5,262-30.4% | $4,736-22.6% | $4,764-23.1% |
| Participant deferral / active EE | $12,688 | $7,111+78.4% | $6,710+89.1% | $5,851+116.8% |
| Admin fee / account holder | $2,566 | $12,125-78.8% | $10,264-75.0% | $11,599-77.9% |