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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 | $96,266 | $115,796-16.9% | $101,264-4.9% | $158,950-39.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 32.09% | 56.15%-24.1pp | 46.48%-14.4pp | 302.91%-270.8pp |
| Employer contribution / active EE | $2,003 | $4,175-52.0% | $3,660-45.3% | $4,762-57.9% |
| Participant deferral / active EE | $8,842 | $4,958+78.3% | $4,370+102.3% | $5,983+47.8% |
| Admin fee / account holder | $431 | $7,247-94.0% | $5,947-92.7% | $11,248-96.2% |