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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 | $55,300 | $142,354-61.2% | $125,529-55.9% | $155,188-64.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 74.7%+25.3pp | 80.8%+19.2pp |
| Annual return | 21.08% | 306.06%-285.0pp | 202.56%-181.5pp | 148.84%-127.8pp |
| Employer contribution / active EE | $4,947 | $3,501+41.3% | $3,058+61.8% | $4,248+16.5% |
| Participant deferral / active EE | $12,614 | $5,491+129.7% | $4,813+162.1% | $6,531+93.1% |
| Admin fee / account holder | $2,705 | $19,392-86.0% | $16,298-83.4% | $14,480-81.3% |