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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 | $55,419 | $85,766-35.4% | $136,298-59.3% | $70,126-21.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 16.58% | 31.46%-14.9pp | 5156.27%-5139.7pp | 73.15%-56.6pp |
| Employer contribution / active EE | $4,808 | $2,966+62.1% | $4,696+2.4% | $2,343+105.2% |
| Participant deferral / active EE | $4,021 | $5,051-20.4% | $6,247-35.6% | $3,332+20.7% |
| Admin fee / account holder | $3,427 | $5,421-36.8% | $9,244-62.9% | $4,645-26.2% |