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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 | $150,719 | $208,088-27.6% | $186,193-19.1% | $154,746-2.6% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 16.98% | 89.97%-73.0pp | 78.03%-61.0pp | 172.34%-155.4pp |
| Employer contribution / active EE | $2,061 | $4,340-52.5% | $3,918-47.4% | $4,379-52.9% |
| Participant deferral / active EE | $18,900 | $7,078+167.0% | $6,513+190.2% | $6,730+180.8% |
| Admin fee / account holder | $3,019 | $11,698-74.2% | $11,058-72.7% | $14,365-79.0% |