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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 | $56,072 | $114,119-50.9% | $107,187-47.7% | $138,895-59.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 23.35% | 273.21%-249.9pp | 204.55%-181.2pp | 145.39%-122.0pp |
| Employer contribution / active EE | $6,371 | $4,059+57.0% | $3,782+68.5% | $4,194+51.9% |
| Participant deferral / active EE | $3,340 | $5,538-39.7% | $5,096-34.5% | $6,396-47.8% |
| Admin fee / account holder | $4,569 | $10,024-54.4% | $9,162-50.1% | $12,562-63.6% |