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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 | $93,188 | $115,814-19.5% | $101,275-8.0% | $158,982-41.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 22.71% | 56.16%-33.4pp | 46.48%-23.8pp | 302.99%-280.3pp |
| Employer contribution / active EE | $1,555 | $4,176-62.8% | $3,660-57.5% | $4,763-67.3% |
| Participant deferral / active EE | $4,764 | $4,958-3.9% | $4,371+9.0% | $5,983-20.4% |
| Admin fee / account holder | $5,313 | $7,249-26.7% | $5,948-10.7% | $11,252-52.8% |