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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 | $85,615 | $124,351-31.2% | $109,188-21.6% | $167,553-48.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 17.56% | 26.04%-8.5pp | 25.76%-8.2pp | 478.89%-461.3pp |
| Employer contribution / active EE | $2,702 | $4,210-35.8% | $3,723-27.4% | $4,840-44.2% |
| Participant deferral / active EE | $6,908 | $5,257+31.4% | $4,654+48.4% | $6,343+8.9% |
| Admin fee / account holder | $4,707 | $7,975-41.0% | $6,755-30.3% | $12,316-61.8% |