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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 | $128,640 | $150,346-14.4% | $120,524+6.7% | $145,877-11.8% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 19.45% | 154.40%-134.9pp | 107.36%-87.9pp | 551.28%-531.8pp |
| Employer contribution / active EE | $3,047 | $4,353-30.0% | $3,469-12.2% | $4,663-34.7% |
| Participant deferral / active EE | $2,532 | $6,172-59.0% | $4,994-49.3% | $6,691-62.2% |
| Admin fee / account holder | $2,767 | $12,215-77.4% | $9,440-70.7% | $13,402-79.4% |