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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 | $40,094 | $85,766-53.3% | $136,298-70.6% | $70,126-42.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 18.49% | 31.46%-13.0pp | 5156.27%-5137.8pp | 73.15%-54.7pp |
| Employer contribution / active EE | $3,129 | $2,966+5.5% | $4,696-33.4% | $2,343+33.6% |
| Participant deferral / active EE | $3,279 | $5,051-35.1% | $6,247-47.5% | $3,332-1.6% |
| Admin fee / account holder | $535 | $5,421-90.1% | $9,244-94.2% | $4,645-88.5% |