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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 | $71,966 | $116,203-38.1% | $93,621-23.1% | $152,909-52.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 13.62% | 35.96%-22.3pp | 32.76%-19.1pp | 345.46%-331.8pp |
| Employer contribution / active EE | $4,164 | $3,219+29.4% | $2,719+53.2% | $4,764-12.6% |
| Participant deferral / active EE | $4,375 | $4,605-5.0% | $4,070+7.5% | $5,851-25.2% |
| Admin fee / account holder | $874 | $10,751-91.9% | $7,890-88.9% | $11,601-92.5% |