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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 | $50,446 | $99,652-49.4% | $78,778-36.0% | $147,585-65.8% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 15.83% | 47.28%-31.5pp | 35.62%-19.8pp | 578.58%-562.8pp |
| Employer contribution / active EE | $1,800 | $2,796-35.6% | $1,986-9.4% | $4,876-63.1% |
| Participant deferral / active EE | $5,545 | $3,664+51.3% | $2,958+87.4% | $5,439+1.9% |
| Admin fee / account holder | $13,747 | $7,155+92.1% | $5,134+167.8% | $10,886+26.3% |