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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 | $41,348 | $112,121-63.1% | $95,960-56.9% | $158,966-74.0% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 33.94% | 171.16%-137.2pp | 91.63%-57.7pp | 302.95%-269.0pp |
| Employer contribution / active EE | $4,181 | $3,199+30.7% | $2,541+64.5% | $4,762-12.2% |
| Participant deferral / active EE | $11,137 | $4,784+132.8% | $4,167+167.3% | $5,983+86.1% |
| Admin fee / account holder | $429 | $10,135-95.8% | $6,797-93.7% | $11,250-96.2% |