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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 | $93,607 | $115,810-19.2% | $101,271-7.6% | $158,966-41.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 18.12% | 56.15%-38.0pp | 46.48%-28.4pp | 302.95%-284.8pp |
| Employer contribution / active EE | $7,919 | $4,175+89.7% | $3,660+116.4% | $4,762+66.3% |
| Participant deferral / active EE | $4,555 | $4,958-8.1% | $4,371+4.2% | $5,983-23.9% |
| Admin fee / account holder | $3,398 | $7,248-53.1% | $5,948-42.9% | $11,250-69.8% |