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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 | $75,045 | $85,766-12.5% | $136,298-44.9% | $70,126+7.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 18.35% | 31.46%-13.1pp | 5156.27%-5137.9pp | 73.15%-54.8pp |
| Employer contribution / active EE | $5,599 | $2,966+88.8% | $4,696+19.2% | $2,343+139.0% |
| Participant deferral / active EE | $9,223 | $5,051+82.6% | $6,247+47.6% | $3,332+176.8% |
| Admin fee / account holder | $3,067 | $5,421-43.4% | $9,244-66.8% | $4,645-34.0% |