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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 | $48,329 | $157,304-69.3% | $141,197-65.8% | $152,909-68.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 22.31% | 64.34%-42.0pp | 71.41%-49.1pp | 345.46%-323.2pp |
| Employer contribution / active EE | $3,516 | $5,263-33.2% | $4,736-25.8% | $4,764-26.2% |
| Participant deferral / active EE | $8,904 | $7,111+25.2% | $6,710+32.7% | $5,851+52.2% |
| Admin fee / account holder | $8,886 | $12,126-26.7% | $10,265-13.4% | $11,601-23.4% |