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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 | $65,172 | $85,766-24.0% | $136,297-52.2% | $70,124-7.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 21.53% | 31.45%-9.9pp | 5156.19%-5134.7pp | 73.14%-51.6pp |
| Employer contribution / active EE | $3,267 | $2,966+10.1% | $4,696-30.4% | $2,342+39.5% |
| Participant deferral / active EE | $5,345 | $5,051+5.8% | $6,247-14.4% | $3,332+60.4% |
| Admin fee / account holder | $499 | $5,420-90.8% | $9,244-94.6% | $4,645-89.3% |