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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 | $120,989 | $152,612-20.7% | $125,192-3.4% | $152,897-20.9% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 18.73% | 54.85%-36.1pp | 43.79%-25.1pp | 345.43%-326.7pp |
| Employer contribution / active EE | $7,718 | $4,947+56.0% | $3,866+99.6% | $4,764+62.0% |
| Participant deferral / active EE | $3,172 | $5,868-46.0% | $4,937-35.8% | $5,851-45.8% |
| Admin fee / account holder | $1,938 | $13,437-85.6% | $9,704-80.0% | $11,599-83.3% |