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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 | $34,542 | $105,145-67.1% | $94,664-63.5% | $139,466-75.2% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 18.63% | 38.09%-19.5pp | 156.84%-138.2pp | 373.66%-355.0pp |
| Employer contribution / active EE | $3,836 | $4,107-6.6% | $3,673+4.4% | $4,754-19.3% |
| Participant deferral / active EE | $11,961 | $7,599+57.4% | $7,417+61.3% | $6,712+78.2% |
| Admin fee / account holder | $3,145 | $8,972-64.9% | $7,222-56.4% | $11,409-72.4% |