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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 | $46,279 | $65,555-29.4% | $86,216-46.3% | $75,173-38.4% |
| Participation rate | 100.0% | 60.5%+39.5pp | 69.0%+31.0pp | 67.2%+32.8pp |
| Annual return | 21.13% | 46.07%-24.9pp | 1169.42%-1148.3pp | 160.72%-139.6pp |
| Employer contribution / active EE | $2,867 | $1,553+84.6% | $2,382+20.4% | $2,671+7.3% |
| Participant deferral / active EE | $3,604 | $3,023+19.2% | $3,986-9.6% | $4,126-12.6% |
| Admin fee / account holder | $1,090 | $5,469-80.1% | $6,853-84.1% | $5,651-80.7% |