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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 | $80,945 | $89,367-9.4% | $141,191-42.7% | $72,975+10.9% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 20.40% | 111.87%-91.5pp | 71.41%-51.0pp | 81.01%-60.6pp |
| Employer contribution / active EE | $2,512 | $3,115-19.3% | $4,736-47.0% | $2,440+3.0% |
| Participant deferral / active EE | $7,038 | $5,419+29.9% | $6,710+4.9% | $3,608+95.1% |
| Admin fee / account holder | $3,080 | $5,957-48.3% | $10,264-70.0% | $5,124-39.9% |