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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 | $34,046 | $115,814-70.6% | $101,275-66.4% | $158,982-78.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 15.08% | 56.16%-41.1pp | 46.48%-31.4pp | 302.99%-287.9pp |
| Employer contribution / active EE | $5,105 | $4,176+22.3% | $3,660+39.5% | $4,763+7.2% |
| Participant deferral / active EE | $2,185 | $4,958-55.9% | $4,371-50.0% | $5,983-63.5% |
| Admin fee / account holder | $710 | $7,249-90.2% | $5,948-88.1% | $11,252-93.7% |