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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 | $75,889 | $106,236-28.6% | $96,496-21.4% | $139,427-45.6% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 22.26% | 38.43%-16.2pp | 35.70%-13.4pp | 373.27%-351.0pp |
| Employer contribution / active EE | $2,287 | $4,104-44.3% | $3,738-38.8% | $4,752-51.9% |
| Participant deferral / active EE | $8,220 | $5,455+50.7% | $4,879+68.5% | $6,711+22.5% |
| Admin fee / account holder | $822 | $7,879-89.6% | $6,731-87.8% | $11,404-92.8% |