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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 | $61,405 | $115,810-47.0% | $101,271-39.4% | $158,966-61.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 14.48% | 56.15%-41.7pp | 46.48%-32.0pp | 302.95%-288.5pp |
| Employer contribution / active EE | $1,685 | $4,175-59.6% | $3,660-54.0% | $4,762-64.6% |
| Participant deferral / active EE | $4,099 | $4,958-17.3% | $4,371-6.2% | $5,983-31.5% |
| Admin fee / account holder | $7,390 | $7,248+2.0% | $5,948+24.3% | $11,250-34.3% |