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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 | $56,241 | $112,935-50.2% | $90,970-38.2% | $158,966-64.6% |
| Participation rate | 90.0% | 74.7%+15.3pp | 69.0%+21.0pp | 82.0%+8.0pp |
| Annual return | 6.26% | 215.79%-209.5pp | 134.58%-128.3pp | 302.95%-296.7pp |
| Employer contribution / active EE | $5,750 | $2,895+98.7% | $2,122+170.9% | $4,762+20.7% |
| Participant deferral / active EE | $4,480 | $4,129+8.5% | $3,373+32.8% | $5,983-25.1% |
| Admin fee / account holder | $820 | $8,045-89.8% | $5,960-86.2% | $11,250-92.7% |