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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 | $91,199 | $115,814-21.3% | $101,275-9.9% | $158,982-42.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 20.01% | 56.16%-36.1pp | 46.48%-26.5pp | 302.99%-283.0pp |
| Employer contribution / active EE | $1,955 | $4,176-53.2% | $3,660-46.6% | $4,763-59.0% |
| Participant deferral / active EE | $22,471 | $4,958+353.2% | $4,371+414.1% | $5,983+275.6% |
| Admin fee / account holder | $926 | $7,249-87.2% | $5,948-84.4% | $11,252-91.8% |