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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 | $49,934 | $58,258-14.3% | $81,820-39.0% | $80,925-38.3% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.4%+27.6pp | 67.7%+32.3pp |
| Annual return | 11.16% | 41.76%-30.6pp | 777.93%-766.8pp | 35.65%-24.5pp |
| Employer contribution / active EE | $4,659 | $2,345+98.6% | $2,915+59.8% | $2,756+69.0% |
| Participant deferral / active EE | $3,429 | $3,284+4.4% | $4,323-20.7% | $4,299-20.2% |
| Admin fee / account holder | $4,644 | $4,976-6.7% | $7,391-37.2% | $6,940-33.1% |