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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 | $24,456 | $77,638-68.5% | $156,551-84.4% | $62,881-61.1% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 14.41% | 50.33%-35.9pp | 32.23%-17.8pp | 20.14%-5.7pp |
| Employer contribution / active EE | $6,243 | $3,444+81.3% | $5,501+13.5% | $2,281+173.7% |
| Participant deferral / active EE | $4,575 | $3,046+50.2% | $4,871-6.1% | $3,203+42.8% |
| Admin fee / account holder | $346 | $5,561-93.8% | $13,028-97.3% | $4,296-91.9% |