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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 | $125,247 | $85,766+46.0% | $136,298-8.1% | $70,126+78.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 16.81% | 31.46%-14.6pp | 5156.27%-5139.5pp | 73.15%-56.3pp |
| Employer contribution / active EE | $5,218 | $2,966+75.9% | $4,696+11.1% | $2,343+122.7% |
| Participant deferral / active EE | $5,889 | $5,051+16.6% | $6,247-5.7% | $3,332+76.8% |
| Admin fee / account holder | $316 | $5,421-94.2% | $9,244-96.6% | $4,645-93.2% |