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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 | $59,384 | $111,535-46.8% | $105,223-43.6% | $137,256-56.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.87% | 237.85%-221.0pp | 180.65%-163.8pp | 220.34%-203.5pp |
| Employer contribution / active EE | $2,912 | $3,939-26.1% | $3,689-21.1% | $4,156-29.9% |
| Participant deferral / active EE | $11,195 | $5,500+103.5% | $5,072+120.7% | $6,407+74.7% |
| Admin fee / account holder | $13,102 | $9,721+34.8% | $8,859+47.9% | $12,270+6.8% |