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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 | $78,373 | $109,411-28.4% | $89,435-12.4% | $158,982-50.7% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 18.90% | 345.68%-326.8pp | 245.55%-226.7pp | 302.99%-284.1pp |
| Employer contribution / active EE | $3,367 | $3,173+6.1% | $2,587+30.1% | $4,763-29.3% |
| Participant deferral / active EE | $12,248 | $4,600+166.3% | $3,890+214.8% | $5,983+104.7% |
| Admin fee / account holder | $691 | $6,159-88.8% | $4,884-85.9% | $11,252-93.9% |