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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 | $117,596 | $115,814+1.5% | $101,275+16.1% | $158,982-26.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 10.82% | 56.16%-45.3pp | 46.48%-35.7pp | 302.99%-292.2pp |
| Employer contribution / active EE | $2,691 | $4,176-35.6% | $3,660-26.5% | $4,763-43.5% |
| Participant deferral / active EE | $6,199 | $4,958+25.0% | $4,371+41.8% | $5,983+3.6% |
| Admin fee / account holder | $1,403 | $7,249-80.6% | $5,948-76.4% | $11,252-87.5% |