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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 | $94,466 | $125,184-24.5% | $105,607-10.5% | $145,884-35.2% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 15.62% | 225.00%-209.4pp | 116.11%-100.5pp | 551.85%-536.2pp |
| Employer contribution / active EE | $2,500 | $3,720-32.8% | $3,167-21.1% | $4,662-46.4% |
| Participant deferral / active EE | $15,625 | $5,714+173.5% | $5,011+211.8% | $6,690+133.6% |
| Admin fee / account holder | $3,124 | $17,133-81.8% | $10,958-71.5% | $13,392-76.7% |