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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 | $58,161 | $152,612-61.9% | $125,192-53.5% | $152,897-62.0% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 19.78% | 54.85%-35.1pp | 43.79%-24.0pp | 345.43%-325.6pp |
| Employer contribution / active EE | $4,485 | $4,947-9.3% | $3,866+16.0% | $4,764-5.9% |
| Participant deferral / active EE | $9,018 | $5,868+53.7% | $4,937+82.6% | $5,851+54.1% |
| Admin fee / account holder | $2,202 | $13,437-83.6% | $9,704-77.3% | $11,599-81.0% |