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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 | $126,009 | $175,257-28.1% | $149,717-15.8% | $139,456-9.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 22.27% | 166.70%-144.4pp | 134.41%-112.1pp | 373.45%-351.2pp |
| Employer contribution / active EE | $1,721 | $5,477-68.6% | $4,820-64.3% | $4,753-63.8% |
| Participant deferral / active EE | $9,832 | $6,521+50.8% | $5,682+73.0% | $6,711+46.5% |
| Admin fee / account holder | $1,318 | $16,156-91.8% | $13,213-90.0% | $11,407-88.4% |