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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 | $75,619 | $89,370-15.4% | $141,197-46.4% | $72,976+3.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 23.41% | 111.88%-88.5pp | 71.41%-48.0pp | 81.02%-57.6pp |
| Employer contribution / active EE | $5,987 | $3,115+92.2% | $4,736+26.4% | $2,440+145.4% |
| Participant deferral / active EE | $3,779 | $5,419-30.3% | $6,710-43.7% | $3,608+4.7% |
| Admin fee / account holder | $703 | $5,957-88.2% | $10,265-93.2% | $5,124-86.3% |