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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 | $51,595 | $115,780-55.4% | $101,255-49.0% | $158,931-67.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 14.73% | 56.14%-41.4pp | 46.48%-31.8pp | 302.86%-288.1pp |
| Employer contribution / active EE | $1,559 | $4,175-62.7% | $3,660-57.4% | $4,761-67.3% |
| Participant deferral / active EE | $4,394 | $4,958-11.4% | $4,370+0.5% | $5,982-26.5% |
| Admin fee / account holder | $908 | $7,246-87.5% | $5,946-84.7% | $11,247-91.9% |