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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 | $52,507 | $111,535-52.9% | $105,223-50.1% | $137,256-61.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 14.24% | 237.85%-223.6pp | 180.65%-166.4pp | 220.34%-206.1pp |
| Employer contribution / active EE | $2,618 | $3,939-33.5% | $3,689-29.0% | $4,156-37.0% |
| Participant deferral / active EE | $11,964 | $5,500+117.5% | $5,072+135.9% | $6,407+86.7% |
| Admin fee / account holder | $12,057 | $9,721+24.0% | $8,859+36.1% | $12,270-1.7% |