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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 | $93,802 | $115,810-19.0% | $101,271-7.4% | $158,966-41.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 22.94% | 56.15%-33.2pp | 46.48%-23.5pp | 302.95%-280.0pp |
| Employer contribution / active EE | $2,287 | $4,175-45.2% | $3,660-37.5% | $4,762-52.0% |
| Participant deferral / active EE | $7,705 | $4,958+55.4% | $4,371+76.3% | $5,983+28.8% |
| Admin fee / account holder | $20,859 | $7,248+187.8% | $5,948+250.7% | $11,250+85.4% |