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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 | $84,610 | $96,508-12.3% | $75,901+11.5% | $152,897-44.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 19.17% | 33.99%-14.8pp | 30.76%-11.6pp | 345.43%-326.3pp |
| Employer contribution / active EE | $3,971 | $3,310+20.0% | $2,501+58.8% | $4,764-16.6% |
| Participant deferral / active EE | $3,415 | $4,554-25.0% | $3,603-5.2% | $5,851-41.6% |
| Admin fee / account holder | $746 | $8,081-90.8% | $5,420-86.2% | $11,599-93.6% |