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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 | $89,081 | $96,524-7.7% | $75,900+17.4% | $152,909-41.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 24.27% | 33.93%-9.7pp | 30.73%-6.5pp | 345.46%-321.2pp |
| Employer contribution / active EE | $2,268 | $3,311-31.5% | $2,501-9.3% | $4,764-52.4% |
| Participant deferral / active EE | $5,066 | $4,554+11.2% | $3,604+40.6% | $5,851-13.4% |
| Admin fee / account holder | $764 | $8,082-90.5% | $5,421-85.9% | $11,601-93.4% |