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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 | $112,378 | $99,652+12.8% | $78,778+42.7% | $147,586-23.9% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 19.43% | 47.28%-27.9pp | 35.62%-16.2pp | 578.59%-559.2pp |
| Employer contribution / active EE | $1,808 | $2,796-35.3% | $1,986-9.0% | $4,876-62.9% |
| Participant deferral / active EE | $3,541 | $3,664-3.3% | $2,958+19.7% | $5,439-34.9% |
| Admin fee / account holder | $702 | $7,155-90.2% | $5,134-86.3% | $10,886-93.6% |