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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 | $57,968 | $65,027-10.9% | $90,970-36.3% | $79,852-27.4% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.0%+31.0pp | 69.6%+30.4pp |
| Annual return | 91.97% | 30.45%+61.5pp | 134.58%-42.6pp | 31.72%+60.3pp |
| Employer contribution / active EE | $2,141 | $1,247+71.7% | $2,122+0.9% | $2,471-13.3% |
| Participant deferral / active EE | $1,857 | $2,512-26.1% | $3,373-44.9% | $3,740-50.3% |
| Admin fee / account holder | $707 | $4,535-84.4% | $5,960-88.1% | $5,306-86.7% |