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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 | $84,770 | $232,540-63.5% | $185,117-54.2% | $147,586-42.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 17.66% | 43.03%-25.4pp | 40.50%-22.8pp | 578.59%-560.9pp |
| Employer contribution / active EE | $2,295 | $5,195-55.8% | $4,182-45.1% | $4,876-52.9% |
| Participant deferral / active EE | $6,893 | $5,834+18.2% | $5,045+36.6% | $5,439+26.7% |
| Admin fee / account holder | $4,796 | $10,275-53.3% | $8,159-41.2% | $10,886-55.9% |