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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 | $99,882 | $117,895-15.3% | $102,460-2.5% | $145,897-31.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 9.26% | 31.92%-22.7pp | 29.47%-20.2pp | 552.29%-543.0pp |
| Employer contribution / active EE | $1,679 | $3,619-53.6% | $3,025-44.5% | $4,663-64.0% |
| Participant deferral / active EE | $5,623 | $5,736-2.0% | $5,056+11.2% | $6,689-15.9% |
| Admin fee / account holder | $1,865 | $13,353-86.0% | $9,460-80.3% | $13,390-86.1% |