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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 | $101,686 | $183,627-44.6% | $155,602-34.6% | $145,978-30.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.05% | 61.32%-46.3pp | 64.81%-49.8pp | 550.52%-535.5pp |
| Employer contribution / active EE | $1,904 | $5,316-64.2% | $4,675-59.3% | $4,662-59.2% |
| Participant deferral / active EE | $6,255 | $6,466-3.3% | $5,629+11.1% | $6,690-6.5% |
| Admin fee / account holder | $17,325 | $19,327-10.4% | $15,923+8.8% | $13,400+29.3% |