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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 | $39,518 | $111,785-64.6% | $93,669-57.8% | $145,877-72.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 10.95% | 203.79%-192.8pp | 133.59%-122.6pp | 551.28%-540.3pp |
| Employer contribution / active EE | $1,956 | $3,096-36.8% | $2,424-19.3% | $4,663-58.1% |
| Participant deferral / active EE | $5,151 | $4,919+4.7% | $4,416+16.6% | $6,691-23.0% |
| Admin fee / account holder | $12,486 | $10,256+21.7% | $8,291+50.6% | $13,402-6.8% |