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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 | $61,700 | $89,370-31.0% | $141,197-56.3% | $72,976-15.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 20.43% | 111.88%-91.4pp | 71.41%-51.0pp | 81.02%-60.6pp |
| Employer contribution / active EE | $2,590 | $3,115-16.9% | $4,736-45.3% | $2,440+6.1% |
| Participant deferral / active EE | $7,821 | $5,419+44.3% | $6,710+16.5% | $3,608+116.8% |
| Admin fee / account holder | $17,726 | $5,957+197.6% | $10,265+72.7% | $5,124+245.9% |