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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 | $46,883 | $102,422-54.2% | $147,117-68.1% | $80,959-42.1% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 14.04% | 135.16%-121.1pp | 420.54%-406.5pp | 35.67%-21.6pp |
| Employer contribution / active EE | $4,043 | $3,717+8.7% | $4,932-18.0% | $2,757+46.6% |
| Participant deferral / active EE | $4,582 | $6,652-31.1% | $8,065-43.2% | $4,300+6.5% |
| Admin fee / account holder | $401 | $7,953-95.0% | $12,993-96.9% | $6,925-94.2% |