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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 | $79,926 | $152,612-47.6% | $125,192-36.2% | $152,897-47.7% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 19.09% | 54.85%-35.8pp | 43.79%-24.7pp | 345.43%-326.3pp |
| Employer contribution / active EE | $3,988 | $4,947-19.4% | $3,866+3.1% | $4,764-16.3% |
| Participant deferral / active EE | $3,467 | $5,868-40.9% | $4,937-29.8% | $5,851-40.7% |
| Admin fee / account holder | $1,152 | $13,437-91.4% | $9,704-88.1% | $11,599-90.1% |