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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 | $76,407 | $99,652-23.3% | $78,778-3.0% | $147,586-48.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 20.49% | 47.28%-26.8pp | 35.62%-15.1pp | 578.59%-558.1pp |
| Employer contribution / active EE | $3,791 | $2,796+35.6% | $1,986+90.9% | $4,876-22.3% |
| Participant deferral / active EE | $2,463 | $3,664-32.8% | $2,958-16.7% | $5,439-54.7% |
| Admin fee / account holder | $546 | $7,155-92.4% | $5,134-89.4% | $10,886-95.0% |