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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 | $76,147 | $58,311+30.6% | $81,882-7.0% | $80,959-5.9% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.4%+27.6pp | 67.7%+32.3pp |
| Annual return | 13.26% | 41.85%-28.6pp | 779.47%-766.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $3,691 | $2,347+57.3% | $2,916+26.6% | $2,757+33.9% |
| Participant deferral / active EE | $5,131 | $3,287+56.1% | $4,323+18.7% | $4,300+19.3% |
| Admin fee / account holder | $9,021 | $4,752+89.8% | $7,360+22.6% | $6,925+30.3% |