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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 | $99,371 | $112,933-12.0% | $90,970+9.2% | $158,982-37.5% |
| Participation rate | 100.0% | 74.7%+25.3pp | 69.0%+31.0pp | 82.0%+18.0pp |
| Annual return | 7.90% | 215.82%-207.9pp | 134.60%-126.7pp | 302.99%-295.1pp |
| Employer contribution / active EE | $1,986 | $2,893-31.3% | $2,122-6.4% | $4,763-58.3% |
| Participant deferral / active EE | $8,327 | $4,128+101.7% | $3,373+146.9% | $5,983+39.2% |
| Admin fee / account holder | $5,459 | $8,047-32.2% | $5,961-8.4% | $11,252-51.5% |