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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 | $42,524 | $79,449-46.5% | $189,575-77.6% | $85,847-50.5% |
| Participation rate | 100.0% | 66.0%+34.0pp | 78.4%+21.6pp | 69.3%+30.7pp |
| Annual return | 14.47% | 18.45%-4.0pp | 64.19%-49.7pp | 318.61%-304.1pp |
| Employer contribution / active EE | $3,837 | $2,081+84.4% | $4,412-13.0% | $2,565+49.6% |
| Participant deferral / active EE | $4,938 | $4,051+21.9% | $6,174-20.0% | $3,952+25.0% |
| Admin fee / account holder | $4,373 | $5,377-18.7% | $9,806-55.4% | $6,261-30.2% |