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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 | $67,505 | $52,353+28.9% | $120,225-43.9% | $82,448-18.1% |
| Participation rate | 100.0% | 58.3%+41.7pp | 69.6%+30.4pp | 68.1%+31.9pp |
| Annual return | 15.84% | 61.85%-46.0pp | 439.23%-423.4pp | 41.64%-25.8pp |
| Employer contribution / active EE | $2,938 | $1,510+94.6% | $3,475-15.5% | $2,551+15.2% |
| Participant deferral / active EE | $5,948 | $2,627+126.4% | $3,999+48.7% | $4,139+43.7% |
| Admin fee / account holder | $1,242 | $4,363-71.5% | $5,696-78.2% | $7,234-82.8% |