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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 | $83,060 | $106,918-22.3% | $84,021-1.1% | $152,897-45.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 18.29% | 105.01%-86.7pp | 71.32%-53.0pp | 345.43%-327.1pp |
| Employer contribution / active EE | $5,863 | $2,735+114.4% | $1,984+195.5% | $4,764+23.1% |
| Participant deferral / active EE | $6,545 | $4,012+63.1% | $3,239+102.1% | $5,851+11.9% |
| Admin fee / account holder | $4,239 | $8,288-48.8% | $6,102-30.5% | $11,599-63.5% |