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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 | $89,444 | $121,677-26.5% | $104,625-14.5% | $158,966-43.7% |
| Participation rate | 100.0% | 77.5%+22.5pp | 74.1%+25.9pp | 82.0%+18.0pp |
| Annual return | 14.54% | 465.58%-451.0pp | 340.60%-326.1pp | 302.95%-288.4pp |
| Employer contribution / active EE | $1,070 | $3,165-66.2% | $2,681-60.1% | $4,762-77.5% |
| Participant deferral / active EE | $5,514 | $4,175+32.1% | $3,738+47.5% | $5,983-7.8% |
| Admin fee / account holder | $1,348 | $7,777-82.7% | $6,465-79.2% | $11,250-88.0% |