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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 | $55,959 | $165,939-66.3% | $122,354-54.3% | $147,586-62.1% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 13.61% | 34.56%-20.9pp | 30.28%-16.7pp | 578.59%-565.0pp |
| Employer contribution / active EE | $4,420 | $5,754-23.2% | $4,051+9.1% | $4,876-9.4% |
| Participant deferral / active EE | $5,075 | $4,005+26.7% | $3,287+54.4% | $5,439-6.7% |
| Admin fee / account holder | $10,905 | $7,425+46.9% | $5,479+99.0% | $10,886+0.2% |