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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 | $52,949 | $115,796-54.3% | $101,264-47.7% | $158,950-66.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 14.79% | 56.15%-41.4pp | 46.48%-31.7pp | 302.91%-288.1pp |
| Employer contribution / active EE | $5,532 | $4,175+32.5% | $3,660+51.2% | $4,762+16.2% |
| Participant deferral / active EE | $7,044 | $4,958+42.1% | $4,370+61.2% | $5,983+17.7% |
| Admin fee / account holder | $14,557 | $7,247+100.9% | $5,947+144.8% | $11,248+29.4% |