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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 | $44,633 | $176,402-74.7% | $134,162-66.7% | $158,966-71.9% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 14.43% | 63.66%-49.2pp | 36.35%-21.9pp | 302.95%-288.5pp |
| Employer contribution / active EE | $3,583 | $5,042-28.9% | $3,705-3.3% | $4,762-24.8% |
| Participant deferral / active EE | $6,615 | $4,093+61.6% | $3,500+89.0% | $5,983+10.6% |
| Admin fee / account holder | $371 | $8,719-95.7% | $6,685-94.4% | $11,250-96.7% |