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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 | $91,875 | $176,120-47.8% | $159,487-42.4% | $167,553-45.2% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.23% | 331.95%-318.7pp | 263.71%-250.5pp | 478.89%-465.7pp |
| Employer contribution / active EE | $2,156 | $5,299-59.3% | $4,831-55.4% | $4,840-55.5% |
| Participant deferral / active EE | $7,717 | $7,752-0.5% | $7,354+4.9% | $6,343+21.7% |
| Admin fee / account holder | $3,866 | $12,561-69.2% | $10,804-64.2% | $12,316-68.6% |