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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 | $66,898 | $115,814-42.2% | $101,275-33.9% | $158,982-57.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 14.06% | 56.16%-42.1pp | 46.48%-32.4pp | 302.99%-288.9pp |
| Employer contribution / active EE | $1,825 | $4,176-56.3% | $3,660-50.1% | $4,763-61.7% |
| Participant deferral / active EE | $4,286 | $4,958-13.6% | $4,371-1.9% | $5,983-28.4% |
| Admin fee / account holder | $10,260 | $7,249+41.5% | $5,948+72.5% | $11,252-8.8% |