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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 | $63,540 | $106,918-40.6% | $84,021-24.4% | $152,897-58.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 30.17% | 105.01%-74.8pp | 71.32%-41.1pp | 345.43%-315.3pp |
| Employer contribution / active EE | $1,834 | $2,735-33.0% | $1,984-7.6% | $4,764-61.5% |
| Participant deferral / active EE | $6,527 | $4,012+62.7% | $3,239+101.5% | $5,851+11.6% |
| Admin fee / account holder | $408 | $8,288-95.1% | $6,102-93.3% | $11,599-96.5% |