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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 | $42,901 | $118,680-63.9% | $98,910-56.6% | $158,931-73.0% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.0%+24.0pp | 82.0%+18.0pp |
| Annual return | 20.29% | 372.35%-352.1pp | 196.44%-176.1pp | 302.86%-282.6pp |
| Employer contribution / active EE | $3,425 | $3,333+2.8% | $2,689+27.4% | $4,761-28.1% |
| Participant deferral / active EE | $12,429 | $5,088+144.3% | $4,244+192.8% | $5,982+107.8% |
| Admin fee / account holder | $4,074 | $10,131-59.8% | $6,642-38.7% | $11,247-63.8% |