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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 | $81,345 | $85,171-4.5% | $172,753-52.9% | $72,976+11.5% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | 26.71% | 27.32%-0.6pp | 803.00%-776.3pp | 81.02%-54.3pp |
| Employer contribution / active EE | $2,015 | $3,324-39.4% | $5,144-60.8% | $2,440-17.4% |
| Participant deferral / active EE | $6,223 | $3,260+90.9% | $5,198+19.7% | $3,608+72.5% |
| Admin fee / account holder | $4,565 | $5,880-22.4% | $13,956-67.3% | $5,124-10.9% |