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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 | $45,780 | $176,402-74.0% | $134,162-65.9% | $158,982-71.2% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 4.65% | 63.66%-59.0pp | 36.35%-31.7pp | 302.99%-298.3pp |
| Employer contribution / active EE | $4,348 | $5,042-13.8% | $3,705+17.3% | $4,763-8.7% |
| Participant deferral / active EE | $3,250 | $4,093-20.6% | $3,500-7.1% | $5,983-45.7% |
| Admin fee / account holder | $540 | $8,719-93.8% | $6,685-91.9% | $11,252-95.2% |