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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 | $60,129 | $72,071-16.6% | $68,368-12.1% | $137,256-56.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 20.54% | 353.14%-332.6pp | 292.57%-272.0pp | 220.34%-199.8pp |
| Employer contribution / active EE | $1,800 | $2,788-35.4% | $2,649-32.0% | $4,156-56.7% |
| Participant deferral / active EE | $13,625 | $4,410+209.0% | $4,123+230.5% | $6,407+112.7% |
| Admin fee / account holder | $1,019 | $5,336-80.9% | $5,150-80.2% | $12,270-91.7% |