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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 | $125,184-55.2% | $105,607-46.9% | $145,884-61.6% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 12.07% | 225.00%-212.9pp | 116.11%-104.0pp | 551.85%-539.8pp |
| Employer contribution / active EE | $3,971 | $3,720+6.7% | $3,167+25.4% | $4,662-14.8% |
| Participant deferral / active EE | $1,686 | $5,714-70.5% | $5,011-66.4% | $6,690-74.8% |
| Admin fee / account holder | $600 | $17,133-96.5% | $10,958-94.5% | $13,392-95.5% |