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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 | $62,751 | $111,535-43.7% | $105,223-40.4% | $137,256-54.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.68% | 237.85%-222.2pp | 180.65%-165.0pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,256 | $3,939-42.7% | $3,689-38.8% | $4,156-45.7% |
| Participant deferral / active EE | $10,682 | $5,500+94.2% | $5,072+110.6% | $6,407+66.7% |
| Admin fee / account holder | $618 | $9,721-93.6% | $8,859-93.0% | $12,270-95.0% |