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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 | $44,459 | $106,923-58.4% | $84,023-47.1% | $152,909-70.9% |
| Participation rate | 100.0% | 75.3%+24.7pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 19.62% | 105.02%-85.4pp | 71.32%-51.7pp | 345.46%-325.8pp |
| Employer contribution / active EE | $5,295 | $2,735+93.6% | $1,984+166.9% | $4,764+11.1% |
| Participant deferral / active EE | $2,431 | $4,013-39.4% | $3,239-25.0% | $5,851-58.5% |
| Admin fee / account holder | $470 | $8,289-94.3% | $6,102-92.3% | $11,601-95.9% |