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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 | $78,992 | $60,442+30.7% | $96,754-18.4% | $87,485-9.7% |
| Participation rate | 100.0% | 58.7%+41.3pp | 70.3%+29.7pp | 68.9%+31.1pp |
| Annual return | 17.48% | 21.97%-4.5pp | 82.04%-64.6pp | 26.06%-8.6pp |
| Employer contribution / active EE | $6,607 | $1,691+290.8% | $2,679+146.6% | $2,596+154.5% |
| Participant deferral / active EE | $5,438 | $3,280+65.8% | $4,758+14.3% | $4,274+27.3% |
| Admin fee / account holder | $6,411 | $5,069+26.5% | $8,905-28.0% | $7,775-17.5% |