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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 | $103,640 | $98,766+4.9% | $149,730-30.8% | $79,852+29.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 22.48% | 27.43%-5.0pp | 276.70%-254.2pp | 31.72%-9.2pp |
| Employer contribution / active EE | $2,058 | $3,217-36.0% | $4,645-55.7% | $2,471-16.7% |
| Participant deferral / active EE | $7,905 | $5,681+39.2% | $6,843+15.5% | $3,740+111.3% |
| Admin fee / account holder | $2,884 | $6,052-52.4% | $9,310-69.0% | $5,306-45.7% |