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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 | $92,087 | $115,814-20.5% | $101,275-9.1% | $158,982-42.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 18.95% | 56.16%-37.2pp | 46.48%-27.5pp | 302.99%-284.0pp |
| Employer contribution / active EE | $3,183 | $4,176-23.8% | $3,660-13.0% | $4,763-33.2% |
| Participant deferral / active EE | $6,598 | $4,958+33.1% | $4,371+51.0% | $5,983+10.3% |
| Admin fee / account holder | $770 | $7,249-89.4% | $5,948-87.1% | $11,252-93.2% |