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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 | $16,647 | $58,241-71.4% | $81,780-79.6% | $80,911-79.4% |
| Participation rate | 100.0% | 63.4%+36.6pp | 72.4%+27.6pp | 67.6%+32.4pp |
| Annual return | 12.45% | 41.73%-29.3pp | 776.27%-763.8pp | 35.63%-23.2pp |
| Employer contribution / active EE | $2,735 | $2,343+16.7% | $2,914-6.1% | $2,756-0.8% |
| Participant deferral / active EE | $3,577 | $3,283+9.0% | $4,321-17.2% | $4,297-16.8% |
| Admin fee / account holder | $2,657 | $4,973-46.6% | $7,384-64.0% | $6,935-61.7% |