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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 | $46,769 | $134,817-65.3% | $123,973-62.3% | $155,188-69.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 10.98% | 515.49%-504.5pp | 388.13%-377.1pp | 148.84%-137.9pp |
| Employer contribution / active EE | $2,885 | $4,425-34.8% | $4,126-30.1% | $4,248-32.1% |
| Participant deferral / active EE | $2,917 | $5,706-48.9% | $5,247-44.4% | $6,531-55.3% |
| Admin fee / account holder | $5,476 | $13,245-58.7% | $11,799-53.6% | $14,480-62.2% |