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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 | $22,764 | $111,830-79.6% | $93,696-75.7% | $145,884-84.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 14.96% | 204.08%-189.1pp | 133.74%-118.8pp | 551.85%-536.9pp |
| Employer contribution / active EE | $2,387 | $3,093-22.8% | $2,422-1.5% | $4,662-48.8% |
| Participant deferral / active EE | $8,650 | $4,920+75.8% | $4,417+95.8% | $6,690+29.3% |
| Admin fee / account holder | $5,426 | $10,249-47.1% | $8,287-34.5% | $13,392-59.5% |