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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 | $82,946 | $124,351-33.3% | $109,188-24.0% | $167,553-50.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 16.24% | 26.04%-9.8pp | 25.76%-9.5pp | 478.89%-462.6pp |
| Employer contribution / active EE | $5,411 | $4,210+28.5% | $3,723+45.3% | $4,840+11.8% |
| Participant deferral / active EE | $6,233 | $5,257+18.6% | $4,654+33.9% | $6,343-1.7% |
| Admin fee / account holder | $362 | $7,975-95.5% | $6,755-94.6% | $12,316-97.1% |