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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 | $58,419 | $99,921-41.5% | $85,009-31.3% | $145,959-60.0% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 16.47% | 83.89%-67.4pp | 66.47%-50.0pp | 561.95%-545.5pp |
| Employer contribution / active EE | $3,544 | $3,233+9.6% | $2,728+29.9% | $4,661-24.0% |
| Participant deferral / active EE | $4,403 | $5,293-16.8% | $4,522-2.6% | $6,689-34.2% |
| Admin fee / account holder | $615 | $7,252-91.5% | $6,153-90.0% | $13,398-95.4% |