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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 | $100,073-41.6% | $85,126-31.4% | $145,877-60.0% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 16.47% | 84.11%-67.6pp | 66.63%-50.2pp | 551.28%-534.8pp |
| Employer contribution / active EE | $3,544 | $3,236+9.5% | $2,731+29.8% | $4,663-24.0% |
| Participant deferral / active EE | $4,403 | $5,294-16.8% | $4,523-2.7% | $6,691-34.2% |
| Admin fee / account holder | $615 | $7,261-91.5% | $6,160-90.0% | $13,402-95.4% |