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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 | $48,687 | $115,810-58.0% | $101,271-51.9% | $158,966-69.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 25.51% | 56.15%-30.6pp | 46.48%-21.0pp | 302.95%-277.4pp |
| Employer contribution / active EE | $3,313 | $4,175-20.7% | $3,660-9.5% | $4,762-30.4% |
| Participant deferral / active EE | $4,940 | $4,958-0.4% | $4,371+13.0% | $5,983-17.4% |
| Admin fee / account holder | $2,381 | $7,248-67.1% | $5,948-60.0% | $11,250-78.8% |