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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 | $79,633 | $84,708-6.0% | $75,714+5.2% | $167,536-52.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.8%+25.2pp | 82.1%+17.9pp |
| Annual return | 24.34% | 199.62%-175.3pp | 104.62%-80.3pp | 478.82%-454.5pp |
| Employer contribution / active EE | $3,350 | $3,231+3.7% | $2,744+22.1% | $4,839-30.8% |
| Participant deferral / active EE | $3,015 | $4,577-34.1% | $3,820-21.1% | $6,342-52.5% |
| Admin fee / account holder | $2,043 | $5,358-61.9% | $3,619-43.6% | $12,315-83.4% |