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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 | $82,885 | $115,814-28.4% | $101,275-18.2% | $158,982-47.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 15.77% | 56.16%-40.4pp | 46.48%-30.7pp | 302.99%-287.2pp |
| Employer contribution / active EE | $3,489 | $4,176-16.4% | $3,660-4.7% | $4,763-26.7% |
| Participant deferral / active EE | $4,128 | $4,958-16.7% | $4,371-5.6% | $5,983-31.0% |
| Admin fee / account holder | $7,662 | $7,249+5.7% | $5,948+28.8% | $11,252-31.9% |