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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 | $86,728 | $111,535-22.2% | $105,223-17.6% | $137,256-36.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.43% | 237.85%-221.4pp | 180.65%-164.2pp | 220.34%-203.9pp |
| Employer contribution / active EE | $12,354 | $3,939+213.6% | $3,689+234.9% | $4,156+197.2% |
| Participant deferral / active EE | $2,857 | $5,500-48.1% | $5,072-43.7% | $6,407-55.4% |
| Admin fee / account holder | $3,566 | $9,721-63.3% | $8,859-59.7% | $12,270-70.9% |