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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 | $107,877 | $115,796-6.8% | $101,264+6.5% | $158,950-32.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 15.52% | 56.15%-40.6pp | 46.48%-31.0pp | 302.91%-287.4pp |
| Employer contribution / active EE | $1,635 | $4,175-60.8% | $3,660-55.3% | $4,762-65.7% |
| Participant deferral / active EE | $2,453 | $4,958-50.5% | $4,370-43.9% | $5,983-59.0% |
| Admin fee / account holder | $476 | $7,247-93.4% | $5,947-92.0% | $11,248-95.8% |