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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 | $84,758 | $150,207-43.6% | $120,380-29.6% | $145,978-41.9% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 14.59% | 154.28%-139.7pp | 107.28%-92.7pp | 550.52%-535.9pp |
| Employer contribution / active EE | $2,739 | $4,351-37.0% | $3,465-21.0% | $4,662-41.2% |
| Participant deferral / active EE | $8,534 | $6,175+38.2% | $4,992+70.9% | $6,690+27.6% |
| Admin fee / account holder | $454 | $12,203-96.3% | $9,421-95.2% | $13,400-96.6% |