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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 | $18,998 | $48,053-60.5% | $84,628-77.6% | $72,975-74.0% |
| Participation rate | 100.0% | 57.6%+42.4pp | 68.2%+31.8pp | 69.5%+30.5pp |
| Annual return | 20.92% | 37.39%-16.5pp | 258.80%-237.9pp | 81.01%-60.1pp |
| Employer contribution / active EE | $5,979 | $1,602+273.2% | $2,653+125.4% | $2,440+145.0% |
| Participant deferral / active EE | $2,029 | $2,681-24.3% | $3,900-48.0% | $3,608-43.8% |
| Admin fee / account holder | $396 | $3,395-88.3% | $4,914-91.9% | $5,124-92.3% |