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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 | $39,999 | $85,766-53.4% | $136,298-70.7% | $70,126-43.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 17.50% | 31.46%-14.0pp | 5156.27%-5138.8pp | 73.15%-55.6pp |
| Employer contribution / active EE | $3,979 | $2,966+34.2% | $4,696-15.3% | $2,343+69.9% |
| Participant deferral / active EE | $3,980 | $5,051-21.2% | $6,247-36.3% | $3,332+19.4% |
| Admin fee / account holder | $907 | $5,421-83.3% | $9,244-90.2% | $4,645-80.5% |