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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 | $113,213 | $75,962+49.0% | $154,108-26.5% | $64,173+76.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | 2.86% | 30.32%-27.5pp | 735.21%-732.3pp | 7.63%-4.8pp |
| Employer contribution / active EE | $14,989 | $3,350+347.4% | $5,298+182.9% | $2,381+529.6% |
| Participant deferral / active EE | $14,959 | $3,175+371.2% | $5,081+194.4% | $3,470+331.1% |
| Admin fee / account holder | $12,627 | $5,589+125.9% | $13,411-5.8% | $4,887+158.4% |