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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 | $81,711 | $107,941-24.3% | $91,994-11.2% | $152,909-46.6% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 23.31% | 89.28%-66.0pp | 69.04%-45.7pp | 345.46%-322.2pp |
| Employer contribution / active EE | $2,788 | $4,212-33.8% | $3,453-19.2% | $4,764-41.5% |
| Participant deferral / active EE | $7,500 | $6,366+17.8% | $5,924+26.6% | $5,851+28.2% |
| Admin fee / account holder | $4,112 | $10,521-60.9% | $7,744-46.9% | $11,601-64.6% |