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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 | $79,451 | $93,346-14.9% | $71,796+10.7% | $273,972-71.0% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 83.0%+17.0pp |
| Annual return | 11.89% | 130.39%-118.5pp | 78.04%-66.1pp | 41.46%-29.6pp |
| Employer contribution / active EE | $3,472 | $2,733+27.0% | $1,924+80.4% | $4,869-28.7% |
| Participant deferral / active EE | $5,212 | $3,475+50.0% | $2,794+86.5% | $5,287-1.4% |
| Admin fee / account holder | $30,516 | $6,571+364.4% | $4,815+533.8% | $10,133+201.2% |