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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 | $40,414 | $115,814-65.1% | $101,275-60.1% | $158,982-74.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 11.22% | 56.16%-44.9pp | 46.48%-35.3pp | 302.99%-291.8pp |
| Employer contribution / active EE | $11,485 | $4,176+175.0% | $3,660+213.8% | $4,763+141.1% |
| Participant deferral / active EE | $1,596 | $4,958-67.8% | $4,371-63.5% | $5,983-73.3% |
| Admin fee / account holder | $4,371 | $7,249-39.7% | $5,948-26.5% | $11,252-61.2% |