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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 | $133,159 | $202,463-34.2% | $169,397-21.4% | $139,487-4.5% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 21.14% | 532.64%-511.5pp | 406.23%-385.1pp | 373.84%-352.7pp |
| Employer contribution / active EE | $10,000 | $4,694+113.0% | $4,013+149.2% | $4,755+110.3% |
| Participant deferral / active EE | $16,015 | $6,941+130.7% | $6,223+157.4% | $6,713+138.6% |
| Admin fee / account holder | $2,645 | $10,726-75.3% | $9,017-70.7% | $11,407-76.8% |