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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 | $57,175 | $105,200-45.7% | $159,474-64.1% | $85,847-33.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 26.17% | 45.08%-18.9pp | 263.68%-237.5pp | 318.61%-292.4pp |
| Employer contribution / active EE | $2,213 | $3,319-33.3% | $4,831-54.2% | $2,565-13.7% |
| Participant deferral / active EE | $5,269 | $5,946-11.4% | $7,353-28.4% | $3,952+33.3% |
| Admin fee / account holder | $671 | $6,934-90.3% | $10,802-93.8% | $6,261-89.3% |