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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 | $96,053 | $157,304-38.9% | $141,197-32.0% | $152,909-37.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.38% | 64.34%-40.0pp | 71.41%-47.0pp | 345.46%-321.1pp |
| Employer contribution / active EE | $1,648 | $5,263-68.7% | $4,736-65.2% | $4,764-65.4% |
| Participant deferral / active EE | $4,560 | $7,111-35.9% | $6,710-32.0% | $5,851-22.1% |
| Admin fee / account holder | $9,476 | $12,126-21.8% | $10,265-7.7% | $11,601-18.3% |