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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 | $71,114 | $109,411-35.0% | $89,435-20.5% | $158,982-55.3% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 14.84% | 345.68%-330.8pp | 245.55%-230.7pp | 302.99%-288.2pp |
| Employer contribution / active EE | $2,979 | $3,173-6.1% | $2,587+15.2% | $4,763-37.5% |
| Participant deferral / active EE | $8,835 | $4,600+92.1% | $3,890+127.1% | $5,983+47.7% |
| Admin fee / account holder | $430 | $6,159-93.0% | $4,884-91.2% | $11,252-96.2% |