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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 | $56,503 | $56,134+0.7% | $96,192-41.3% | $85,851-34.2% |
| Participation rate | 100.0% | 56.7%+43.3pp | 68.4%+31.6pp | 69.3%+30.7pp |
| Annual return | 12.19% | 42.30%-30.1pp | 192.09%-179.9pp | 318.63%-306.4pp |
| Employer contribution / active EE | $2,175 | $1,620+34.3% | $2,799-22.3% | $2,565-15.2% |
| Participant deferral / active EE | $4,697 | $2,858+64.4% | $4,351+8.0% | $3,952+18.8% |
| Admin fee / account holder | $781 | $3,769-79.3% | $5,539-85.9% | $6,261-87.5% |