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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 | $105,687 | $152,592-30.7% | $125,180-15.6% | $152,885-30.9% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 18.50% | 54.84%-36.3pp | 43.79%-25.3pp | 345.39%-326.9pp |
| Employer contribution / active EE | $2,701 | $4,947-45.4% | $3,866-30.1% | $4,763-43.3% |
| Participant deferral / active EE | $8,920 | $5,868+52.0% | $4,937+80.7% | $5,851+52.5% |
| Admin fee / account holder | $794 | $13,435-94.1% | $9,703-91.8% | $11,598-93.2% |