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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 | $48,806 | $99,921-51.2% | $85,009-42.6% | $145,959-66.6% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 19.90% | 83.89%-64.0pp | 66.47%-46.6pp | 561.95%-542.0pp |
| Employer contribution / active EE | $2,560 | $3,233-20.8% | $2,728-6.2% | $4,661-45.1% |
| Participant deferral / active EE | $4,717 | $5,293-10.9% | $4,522+4.3% | $6,689-29.5% |
| Admin fee / account holder | $871 | $7,252-88.0% | $6,153-85.8% | $13,398-93.5% |