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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 | $82,813 | $105,200-21.3% | $159,474-48.1% | $85,847-3.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 12.92% | 45.08%-32.2pp | 263.68%-250.8pp | 318.61%-305.7pp |
| Employer contribution / active EE | $3,292 | $3,319-0.8% | $4,831-31.9% | $2,565+28.3% |
| Participant deferral / active EE | $6,225 | $5,946+4.7% | $7,353-15.3% | $3,952+57.5% |
| Admin fee / account holder | $2,240 | $6,934-67.7% | $10,802-79.3% | $6,261-64.2% |