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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 | $69,240 | $81,208-14.7% | $98,920-30.0% | $79,852-13.3% |
| Participation rate | 100.0% | 72.5%+27.5pp | 76.0%+24.0pp | 69.6%+30.4pp |
| Annual return | 19.84% | 60.99%-41.2pp | 196.47%-176.6pp | 31.72%-11.9pp |
| Employer contribution / active EE | $1,746 | $1,960-10.9% | $2,689-35.1% | $2,471-29.3% |
| Participant deferral / active EE | $4,868 | $3,265+49.1% | $4,245+14.7% | $3,740+30.2% |
| Admin fee / account holder | $971 | $6,013-83.9% | $6,643-85.4% | $5,306-81.7% |