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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 | $45,596 | $48,364-5.7% | $71,796-36.5% | $62,881-27.5% |
| Participation rate | 100.0% | 60.6%+39.4pp | 69.1%+30.9pp | 69.3%+30.7pp |
| Annual return | 7.93% | 13.16%-5.2pp | 78.04%-70.1pp | 20.14%-12.2pp |
| Employer contribution / active EE | $4,755 | $1,042+356.4% | $1,924+147.1% | $2,281+108.5% |
| Participant deferral / active EE | $3,716 | $2,091+77.7% | $2,794+33.0% | $3,203+16.0% |
| Admin fee / account holder | $997 | $3,771-73.6% | $4,815-79.3% | $4,296-76.8% |