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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 | $50,724 | $109,908-53.8% | $97,161-47.8% | $145,978-65.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 16.51% | 243.80%-227.3pp | 75.36%-58.8pp | 550.52%-534.0pp |
| Employer contribution / active EE | $1,304 | $3,077-57.6% | $2,723-52.1% | $4,662-72.0% |
| Participant deferral / active EE | $10,245 | $4,679+119.0% | $4,265+140.2% | $6,690+53.2% |
| Admin fee / account holder | $8,197 | $6,213+31.9% | $5,647+45.1% | $13,400-38.8% |