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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 | $84,831 | $152,612-44.4% | $125,192-32.2% | $152,897-44.5% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 19.56% | 54.85%-35.3pp | 43.79%-24.2pp | 345.43%-325.9pp |
| Employer contribution / active EE | $3,826 | $4,947-22.7% | $3,866-1.0% | $4,764-19.7% |
| Participant deferral / active EE | $8,167 | $5,868+39.2% | $4,937+65.4% | $5,851+39.6% |
| Admin fee / account holder | $15,301 | $13,437+13.9% | $9,704+57.7% | $11,599+31.9% |