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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 | $62,927 | $56,134+12.1% | $96,171-34.6% | $85,847-26.7% |
| Participation rate | 100.0% | 56.7%+43.3pp | 68.4%+31.6pp | 69.3%+30.7pp |
| Annual return | 17.35% | 42.30%-25.0pp | 192.04%-174.7pp | 318.61%-301.3pp |
| Employer contribution / active EE | $4,600 | $1,620+183.9% | $2,799+64.3% | $2,565+79.3% |
| Participant deferral / active EE | $2,599 | $2,858-9.0% | $4,350-40.2% | $3,952-34.2% |
| Admin fee / account holder | $1,235 | $3,769-67.2% | $5,538-77.7% | $6,261-80.3% |