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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 | $96,491-3.4% | $75,888+22.8% | $152,870-39.0% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.4%+17.6pp |
| Annual return | 22.89% | 33.98%-11.1pp | 30.76%-7.9pp | 345.34%-322.5pp |
| Employer contribution / active EE | $1,960 | $3,310-40.8% | $2,501-21.6% | $4,763-58.8% |
| Participant deferral / active EE | $5,358 | $4,553+17.7% | $3,603+48.7% | $5,850-8.4% |
| Admin fee / account holder | $3,759 | $8,079-53.5% | $5,419-30.6% | $11,597-67.6% |