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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 | $117,477 | $157,304-25.3% | $141,197-16.8% | $152,909-23.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.53% | 64.34%-44.8pp | 71.41%-51.9pp | 345.46%-325.9pp |
| Employer contribution / active EE | $2,839 | $5,263-46.1% | $4,736-40.1% | $4,764-40.4% |
| Participant deferral / active EE | $4,825 | $7,111-32.1% | $6,710-28.1% | $5,851-17.5% |
| Admin fee / account holder | $1,591 | $12,126-86.9% | $10,265-84.5% | $11,601-86.3% |