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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 | $41,772 | $105,158-60.3% | $94,672-55.9% | $139,487-70.1% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 26.71% | 38.11%-11.4pp | 156.89%-130.2pp | 373.84%-347.1pp |
| Employer contribution / active EE | $2,406 | $4,107-41.4% | $3,673-34.5% | $4,755-49.4% |
| Participant deferral / active EE | $10,727 | $7,599+41.2% | $7,417+44.6% | $6,713+59.8% |
| Admin fee / account holder | $2,493 | $8,972-72.2% | $7,222-65.5% | $11,407-78.1% |