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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 | $76,203 | $115,796-34.2% | $101,264-24.7% | $158,950-52.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 9.55% | 56.15%-46.6pp | 46.48%-36.9pp | 302.91%-293.4pp |
| Employer contribution / active EE | $1,759 | $4,175-57.9% | $3,660-51.9% | $4,762-63.1% |
| Participant deferral / active EE | $5,471 | $4,958+10.3% | $4,370+25.2% | $5,983-8.6% |
| Admin fee / account holder | $340 | $7,247-95.3% | $5,947-94.3% | $11,248-97.0% |