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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 | $51,555 | $106,918-51.8% | $84,021-38.6% | $152,897-66.3% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 23.89% | 105.01%-81.1pp | 71.32%-47.4pp | 345.43%-321.5pp |
| Employer contribution / active EE | $5,618 | $2,735+105.4% | $1,984+183.2% | $4,764+17.9% |
| Participant deferral / active EE | $4,701 | $4,012+17.2% | $3,239+45.1% | $5,851-19.7% |
| Admin fee / account holder | $949 | $8,288-88.5% | $6,102-84.4% | $11,599-91.8% |