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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 | $125,312 | $111,830+12.1% | $93,696+33.7% | $145,884-14.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 11.95% | 204.08%-192.1pp | 133.74%-121.8pp | 551.85%-539.9pp |
| Employer contribution / active EE | $1,682 | $3,093-45.6% | $2,422-30.5% | $4,662-63.9% |
| Participant deferral / active EE | $7,626 | $4,920+55.0% | $4,417+72.7% | $6,690+14.0% |
| Admin fee / account holder | $6,168 | $10,249-39.8% | $8,287-25.6% | $13,392-53.9% |