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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 | $84,259 | $115,814-27.2% | $101,275-16.8% | $158,982-47.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 14.23% | 56.16%-41.9pp | 46.48%-32.2pp | 302.99%-288.8pp |
| Employer contribution / active EE | $2,939 | $4,176-29.6% | $3,660-19.7% | $4,763-38.3% |
| Participant deferral / active EE | $7,859 | $4,958+58.5% | $4,371+79.8% | $5,983+31.3% |
| Admin fee / account holder | $1,344 | $7,249-81.5% | $5,948-77.4% | $11,252-88.1% |