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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 | $48,826 | $88,672-44.9% | $105,223-53.6% | $82,448-40.8% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 18.13% | 30.86%-12.7pp | 180.65%-162.5pp | 41.64%-23.5pp |
| Employer contribution / active EE | $4,286 | $3,048+40.6% | $3,689+16.2% | $2,551+68.0% |
| Participant deferral / active EE | $3,106 | $4,036-23.0% | $5,072-38.8% | $4,139-25.0% |
| Admin fee / account holder | $2,688 | $7,146-62.4% | $8,859-69.7% | $7,234-62.8% |