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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 | $77,939 | $111,878-30.3% | $93,727-16.8% | $145,897-46.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 18.01% | 204.28%-186.3pp | 133.83%-115.8pp | 552.29%-534.3pp |
| Employer contribution / active EE | $2,064 | $3,092-33.3% | $2,421-14.8% | $4,663-55.7% |
| Participant deferral / active EE | $7,938 | $4,920+61.3% | $4,417+79.7% | $6,689+18.7% |
| Admin fee / account holder | $3,056 | $10,256-70.2% | $8,292-63.1% | $13,390-77.2% |