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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 | $41,015 | $85,766-52.2% | $136,297-69.9% | $70,124-41.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 18.82% | 31.45%-12.6pp | 5156.19%-5137.4pp | 73.14%-54.3pp |
| Employer contribution / active EE | $4,667 | $2,966+57.3% | $4,696-0.6% | $2,342+99.2% |
| Participant deferral / active EE | $5,297 | $5,051+4.9% | $6,247-15.2% | $3,332+59.0% |
| Admin fee / account holder | $629 | $5,420-88.4% | $9,244-93.2% | $4,645-86.5% |