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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 | $97,801 | $106,918-8.5% | $84,021+16.4% | $152,897-36.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 18.97% | 105.01%-86.0pp | 71.32%-52.3pp | 345.43%-326.5pp |
| Employer contribution / active EE | $1,424 | $2,735-47.9% | $1,984-28.2% | $4,764-70.1% |
| Participant deferral / active EE | $12,697 | $4,012+216.4% | $3,239+292.0% | $5,851+117.0% |
| Admin fee / account holder | $308 | $8,288-96.3% | $6,102-95.0% | $11,599-97.3% |