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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 | $79,907 | $111,535-28.4% | $105,223-24.1% | $137,256-41.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 60.45% | 237.85%-177.4pp | 180.65%-120.2pp | 220.34%-159.9pp |
| Employer contribution / active EE | $2,760 | $3,939-29.9% | $3,689-25.2% | $4,156-33.6% |
| Participant deferral / active EE | $10,994 | $5,500+99.9% | $5,072+116.8% | $6,407+71.6% |
| Admin fee / account holder | $425 | $9,721-95.6% | $8,859-95.2% | $12,270-96.5% |