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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 | $51,611 | $111,814-53.8% | $93,654-44.9% | $145,959-64.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 11.30% | 203.30%-192.0pp | 133.34%-122.0pp | 561.95%-550.7pp |
| Employer contribution / active EE | $4,037 | $3,092+30.6% | $2,421+66.7% | $4,661-13.4% |
| Participant deferral / active EE | $8,342 | $4,914+69.7% | $4,413+89.0% | $6,689+24.7% |
| Admin fee / account holder | $431 | $10,246-95.8% | $8,282-94.8% | $13,398-96.8% |