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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 | $53,423 | $77,920-31.4% | $149,723-64.3% | $75,177-28.9% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 18.19% | 31.72%-13.5pp | 134.50%-116.3pp | 160.75%-142.6pp |
| Employer contribution / active EE | $4,903 | $3,138+56.2% | $4,821+1.7% | $2,671+83.5% |
| Participant deferral / active EE | $4,399 | $3,411+28.9% | $5,682-22.6% | $4,126+6.6% |
| Admin fee / account holder | $22,342 | $5,951+275.5% | $13,215+69.1% | $5,651+295.3% |