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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 | $44,764 | $157,296-71.5% | $141,191-68.3% | $152,897-70.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 25.32% | 64.34%-39.0pp | 71.41%-46.1pp | 345.43%-320.1pp |
| Employer contribution / active EE | $3,222 | $5,262-38.8% | $4,736-32.0% | $4,764-32.4% |
| Participant deferral / active EE | $15,170 | $7,111+113.3% | $6,710+126.1% | $5,851+159.3% |
| Admin fee / account holder | $354 | $12,125-97.1% | $10,264-96.6% | $11,599-97.0% |