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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 | $61,674 | $89,259-30.9% | $107,187-42.5% | $82,637-25.4% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 14.58% | 21.02%-6.4pp | 204.55%-190.0pp | 53.51%-38.9pp |
| Employer contribution / active EE | $6,185 | $3,080+100.8% | $3,782+63.5% | $2,552+142.4% |
| Participant deferral / active EE | $8,531 | $4,037+111.3% | $5,096+67.4% | $4,126+106.7% |
| Admin fee / account holder | $448 | $7,381-93.9% | $9,162-95.1% | $7,339-93.9% |