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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 | $41,960 | $100,203-58.1% | $85,240-50.8% | $145,897-71.2% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 20.88% | 84.28%-63.4pp | 66.75%-45.9pp | 552.29%-531.4pp |
| Employer contribution / active EE | $1,976 | $3,242-39.1% | $2,735-27.8% | $4,663-57.6% |
| Participant deferral / active EE | $3,884 | $5,299-26.7% | $4,527-14.2% | $6,689-41.9% |
| Admin fee / account holder | $4,515 | $7,265-37.8% | $6,165-26.8% | $13,390-66.3% |