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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 | $56,036 | $125,190-55.2% | $105,624-46.9% | $145,897-61.6% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 12.07% | 225.22%-213.2pp | 116.20%-104.1pp | 552.29%-540.2pp |
| Employer contribution / active EE | $3,971 | $3,720+6.7% | $3,168+25.4% | $4,663-14.8% |
| Participant deferral / active EE | $1,686 | $5,716-70.5% | $5,013-66.4% | $6,689-74.8% |
| Admin fee / account holder | $600 | $17,138-96.5% | $10,961-94.5% | $13,390-95.5% |