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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 | $95,797 | $102,547-6.6% | $78,210+22.5% | $147,586-35.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.7%+31.3pp | 82.8%+17.2pp |
| Annual return | 12.30% | 51.08%-38.8pp | 40.90%-28.6pp | 578.59%-566.3pp |
| Employer contribution / active EE | $1,880 | $2,617-28.2% | $2,034-7.5% | $4,876-61.4% |
| Participant deferral / active EE | $4,237 | $3,481+21.7% | $2,823+50.1% | $5,439-22.1% |
| Admin fee / account holder | $4,308 | $5,059-14.9% | $3,758+14.6% | $10,886-60.4% |