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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 | $91,006 | $89,367+1.8% | $141,191-35.5% | $72,975+24.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 19.67% | 111.87%-92.2pp | 71.41%-51.7pp | 81.01%-61.3pp |
| Employer contribution / active EE | $2,244 | $3,115-28.0% | $4,736-52.6% | $2,440-8.0% |
| Participant deferral / active EE | $5,755 | $5,419+6.2% | $6,710-14.2% | $3,608+59.5% |
| Admin fee / account holder | $777 | $5,957-87.0% | $10,264-92.4% | $5,124-84.8% |