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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 | $114,908 | $175,259-34.4% | $149,723-23.3% | $139,487-17.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 18.62% | 166.82%-148.2pp | 134.50%-115.9pp | 373.84%-355.2pp |
| Employer contribution / active EE | $1,820 | $5,478-66.8% | $4,821-62.2% | $4,755-61.7% |
| Participant deferral / active EE | $6,427 | $6,522-1.4% | $5,682+13.1% | $6,713-4.3% |
| Admin fee / account holder | $12,169 | $16,158-24.7% | $13,215-7.9% | $11,407+6.7% |