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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 | $85,772 | $124,346-31.0% | $111,308-22.9% | $167,536-48.8% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 9.69% | 37.45%-27.8pp | 54.67%-45.0pp | 478.82%-469.1pp |
| Employer contribution / active EE | $4,353 | $3,437+26.6% | $2,732+59.3% | $4,839-10.1% |
| Participant deferral / active EE | $2,903 | $5,182-44.0% | $4,487-35.3% | $6,342-54.2% |
| Admin fee / account holder | $2,254 | $10,621-78.8% | $7,965-71.7% | $12,315-81.7% |