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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 | $73,761 | $106,905-31.0% | $84,020-12.2% | $152,885-51.8% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 23.90% | 105.00%-81.1pp | 71.31%-47.4pp | 345.39%-321.5pp |
| Employer contribution / active EE | $6,514 | $2,735+138.2% | $1,984+228.4% | $4,763+36.8% |
| Participant deferral / active EE | $5,408 | $4,012+34.8% | $3,239+67.0% | $5,851-7.6% |
| Admin fee / account holder | $4,230 | $8,287-49.0% | $6,101-30.7% | $11,598-63.5% |