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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 | $90,415 | $232,540-61.1% | $185,117-51.2% | $147,586-38.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 18.59% | 43.03%-24.4pp | 40.50%-21.9pp | 578.59%-560.0pp |
| Employer contribution / active EE | $1,753 | $5,195-66.3% | $4,182-58.1% | $4,876-64.1% |
| Participant deferral / active EE | $13,280 | $5,834+127.6% | $5,045+163.2% | $5,439+144.2% |
| Admin fee / account holder | $580 | $10,275-94.4% | $8,159-92.9% | $10,886-94.7% |