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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 | $53,312 | $109,967-51.5% | $97,197-45.2% | $145,877-63.5% |
| Participation rate | 100.0% | 76.0%+24.0pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 21.08% | 244.27%-223.2pp | 75.47%-54.4pp | 551.28%-530.2pp |
| Employer contribution / active EE | $1,952 | $3,077-36.5% | $2,723-28.3% | $4,663-58.1% |
| Participant deferral / active EE | $5,120 | $4,676+9.5% | $4,263+20.1% | $6,691-23.5% |
| Admin fee / account holder | $603 | $6,199-90.3% | $5,637-89.3% | $13,402-95.5% |