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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 | $65,842 | $115,814-43.1% | $101,275-35.0% | $158,982-58.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 19.51% | 56.16%-36.6pp | 46.48%-27.0pp | 302.99%-283.5pp |
| Employer contribution / active EE | $6,270 | $4,176+50.1% | $3,660+71.3% | $4,763+31.6% |
| Participant deferral / active EE | $4,926 | $4,958-0.6% | $4,371+12.7% | $5,983-17.7% |
| Admin fee / account holder | $803 | $7,249-88.9% | $5,948-86.5% | $11,252-92.9% |