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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 | $59,186 | $115,814-48.9% | $101,275-41.6% | $158,982-62.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 8.32% | 56.16%-47.8pp | 46.48%-38.2pp | 302.99%-294.7pp |
| Employer contribution / active EE | $1,644 | $4,176-60.6% | $3,660-55.1% | $4,763-65.5% |
| Participant deferral / active EE | $4,092 | $4,958-17.5% | $4,371-6.4% | $5,983-31.6% |
| Admin fee / account holder | $3,434 | $7,249-52.6% | $5,948-42.3% | $11,252-69.5% |