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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 | $47,741 | $54,690-12.7% | $76,030-37.2% | $74,478-35.9% |
| Participation rate | 100.0% | 60.3%+39.7pp | 69.1%+30.9pp | 67.2%+32.8pp |
| Annual return | 19.21% | 31.92%-12.7pp | 361.54%-342.3pp | 1370.56%-1351.4pp |
| Employer contribution / active EE | $2,554 | $1,781+43.4% | $2,688-5.0% | $2,626-2.8% |
| Participant deferral / active EE | $3,082 | $3,070+0.4% | $4,257-27.6% | $4,350-29.2% |
| Admin fee / account holder | $897 | $2,240-60.0% | $6,421-86.0% | $1,946-53.9% |