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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 | $109,582 | $111,814-2.0% | $93,654+17.0% | $145,959-24.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 15.97% | 203.30%-187.3pp | 133.34%-117.4pp | 561.95%-546.0pp |
| Employer contribution / active EE | $1,886 | $3,092-39.0% | $2,421-22.1% | $4,661-59.5% |
| Participant deferral / active EE | $4,625 | $4,914-5.9% | $4,413+4.8% | $6,689-30.9% |
| Admin fee / account holder | $1,812 | $10,246-82.3% | $8,282-78.1% | $13,398-86.5% |