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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 | $93,203 | $96,524-3.4% | $75,900+22.8% | $152,909-39.0% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 22.89% | 33.93%-11.0pp | 30.73%-7.8pp | 345.46%-322.6pp |
| Employer contribution / active EE | $1,960 | $3,311-40.8% | $2,501-21.6% | $4,764-58.9% |
| Participant deferral / active EE | $5,358 | $4,554+17.7% | $3,604+48.7% | $5,851-8.4% |
| Admin fee / account holder | $3,759 | $8,082-53.5% | $5,421-30.7% | $11,601-67.6% |