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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 | $45,306 | $50,082-9.5% | $93,515-51.6% | $79,856-43.3% |
| Participation rate | 100.0% | 60.9%+39.1pp | 66.8%+33.2pp | 69.6%+30.4pp |
| Annual return | 11.53% | 24.59%-13.1pp | 78.21%-66.7pp | 31.71%-20.2pp |
| Employer contribution / active EE | $6,913 | $1,303+430.5% | $2,077+232.8% | $2,471+179.8% |
| Participant deferral / active EE | $4,389 | $2,212+98.4% | $3,129+40.3% | $3,741+17.3% |
| Admin fee / account holder | $1,895 | $3,454-45.1% | $5,235-63.8% | $5,306-64.3% |