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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 | $42,570 | $105,200-59.5% | $159,474-73.3% | $85,847-50.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 17.55% | 45.08%-27.5pp | 263.68%-246.1pp | 318.61%-301.1pp |
| Employer contribution / active EE | $4,639 | $3,319+39.8% | $4,831-4.0% | $2,565+80.8% |
| Participant deferral / active EE | $7,509 | $5,946+26.3% | $7,353+2.1% | $3,952+90.0% |
| Admin fee / account holder | $626 | $6,934-91.0% | $10,802-94.2% | $6,261-90.0% |