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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 | $61,303 | $48,364+26.8% | $71,796-14.6% | $62,881-2.5% |
| Participation rate | 100.0% | 60.6%+39.4pp | 69.1%+30.9pp | 69.3%+30.7pp |
| Annual return | 7.61% | 13.16%-5.5pp | 78.04%-70.4pp | 20.14%-12.5pp |
| Employer contribution / active EE | $4,187 | $1,042+301.9% | $1,924+117.6% | $2,281+83.6% |
| Participant deferral / active EE | $3,209 | $2,091+53.4% | $2,794+14.8% | $3,203+0.2% |
| Admin fee / account holder | $763 | $3,771-79.8% | $4,815-84.1% | $4,296-82.2% |