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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 | $92,985 | $102,638-9.4% | $81,991+13.4% | $158,966-41.5% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.3%+30.7pp | 82.0%+18.0pp |
| Annual return | 8.27% | 61.05%-52.8pp | 41.31%-33.0pp | 302.95%-294.7pp |
| Employer contribution / active EE | $2,365 | $3,241-27.0% | $2,498-5.3% | $4,762-50.3% |
| Participant deferral / active EE | $3,634 | $4,649-21.8% | $3,722-2.4% | $5,983-39.3% |
| Admin fee / account holder | $4,294 | $8,237-47.9% | $5,665-24.2% | $11,250-61.8% |