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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 | $53,268 | $105,200-49.4% | $159,474-66.6% | $85,847-37.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 15.91% | 45.08%-29.2pp | 263.68%-247.8pp | 318.61%-302.7pp |
| Employer contribution / active EE | $4,457 | $3,319+34.3% | $4,831-7.7% | $2,565+73.7% |
| Participant deferral / active EE | $7,744 | $5,946+30.2% | $7,353+5.3% | $3,952+95.9% |
| Admin fee / account holder | $2,692 | $6,934-61.2% | $10,802-75.1% | $6,261-57.0% |