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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 | $75,432 | $105,856-28.7% | $90,161-16.3% | $147,585-48.9% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 13.24% | 37.63%-24.4pp | 34.89%-21.6pp | 578.58%-565.3pp |
| Employer contribution / active EE | $1,752 | $4,126-57.5% | $3,318-47.2% | $4,876-64.1% |
| Participant deferral / active EE | $13,616 | $5,733+137.5% | $5,287+157.5% | $5,439+150.4% |
| Admin fee / account holder | $15,142 | $8,046+88.2% | $5,943+154.8% | $10,886+39.1% |