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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 | $86,536 | $98,766-12.4% | $149,730-42.2% | $79,852+8.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 19.50% | 27.43%-7.9pp | 276.70%-257.2pp | 31.72%-12.2pp |
| Employer contribution / active EE | $8,028 | $3,217+149.6% | $4,645+72.8% | $2,471+224.9% |
| Participant deferral / active EE | $9,771 | $5,681+72.0% | $6,843+42.8% | $3,740+161.2% |
| Admin fee / account holder | $4,642 | $6,052-23.3% | $9,310-50.1% | $5,306-12.5% |