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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 | $51,043 | $51,642-1.2% | $129,384-60.5% | $80,935-36.9% |
| Participation rate | 100.0% | 56.9%+43.1pp | 69.6%+30.4pp | 67.7%+32.3pp |
| Annual return | 13.76% | 20.78%-7.0pp | 9461.77%-9448.0pp | 35.66%-21.9pp |
| Employer contribution / active EE | $3,685 | $1,583+132.8% | $4,153-11.3% | $2,757+33.7% |
| Participant deferral / active EE | $3,971 | $2,670+48.7% | $4,166-4.7% | $4,299-7.7% |
| Admin fee / account holder | $4,011 | $4,312-7.0% | $7,686-47.8% | $6,924-42.1% |