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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 | $79,524 | $85,766-7.3% | $136,297-41.7% | $70,124+13.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 14.53% | 31.45%-16.9pp | 5156.19%-5141.7pp | 73.14%-58.6pp |
| Employer contribution / active EE | $4,777 | $2,966+61.1% | $4,696+1.7% | $2,342+103.9% |
| Participant deferral / active EE | $7,705 | $5,051+52.5% | $6,247+23.3% | $3,332+131.3% |
| Admin fee / account holder | $3,076 | $5,420-43.2% | $9,244-66.7% | $4,645-33.8% |