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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 | $84,214 | $98,766-14.7% | $149,730-43.8% | $79,852+5.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 19.54% | 27.43%-7.9pp | 276.70%-257.2pp | 31.72%-12.2pp |
| Employer contribution / active EE | $6,672 | $3,217+107.4% | $4,645+43.6% | $2,471+170.0% |
| Participant deferral / active EE | $5,842 | $5,681+2.8% | $6,843-14.6% | $3,740+56.2% |
| Admin fee / account holder | $1,142 | $6,052-81.1% | $9,310-87.7% | $5,306-78.5% |