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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 | $91,661 | $124,346-26.3% | $111,306-17.6% | $167,553-45.3% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 14.62% | 37.46%-22.8pp | 54.67%-40.1pp | 478.89%-464.3pp |
| Employer contribution / active EE | $1,984 | $3,438-42.3% | $2,732-27.4% | $4,840-59.0% |
| Participant deferral / active EE | $10,344 | $5,182+99.6% | $4,488+130.5% | $6,343+63.1% |
| Admin fee / account holder | $958 | $10,623-91.0% | $7,966-88.0% | $12,316-92.2% |