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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 | $96,964 | $106,918-9.3% | $84,021+15.4% | $152,897-36.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 18.03% | 105.01%-87.0pp | 71.32%-53.3pp | 345.43%-327.4pp |
| Employer contribution / active EE | $10,343 | $2,735+278.2% | $1,984+421.4% | $4,764+117.1% |
| Participant deferral / active EE | $7,463 | $4,012+86.0% | $3,239+130.4% | $5,851+27.6% |
| Admin fee / account holder | $1,678 | $8,288-79.7% | $6,102-72.5% | $11,599-85.5% |