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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 | $90,084 | $106,918-15.7% | $84,021+7.2% | $152,897-41.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 30.00% | 105.01%-75.0pp | 71.32%-41.3pp | 345.43%-315.4pp |
| Employer contribution / active EE | $3,041 | $2,735+11.2% | $1,984+53.3% | $4,764-36.2% |
| Participant deferral / active EE | $5,809 | $4,012+44.8% | $3,239+79.3% | $5,851-0.7% |
| Admin fee / account holder | $477 | $8,288-94.2% | $6,102-92.2% | $11,599-95.9% |