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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 | $84,808 | $111,535-24.0% | $105,223-19.4% | $137,256-38.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 13.44% | 237.85%-224.4pp | 180.65%-167.2pp | 220.34%-206.9pp |
| Employer contribution / active EE | $9,001 | $3,939+128.5% | $3,689+144.0% | $4,156+116.6% |
| Participant deferral / active EE | $5,499 | $5,5000% | $5,072+8.4% | $6,407-14.2% |
| Admin fee / account holder | $3,075 | $9,721-68.4% | $8,859-65.3% | $12,270-74.9% |