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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 | $77,209 | $85,766-10.0% | $136,297-43.4% | $70,124+10.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 16.96% | 31.45%-14.5pp | 5156.19%-5139.2pp | 73.14%-56.2pp |
| Employer contribution / active EE | $3,676 | $2,966+23.9% | $4,696-21.7% | $2,342+56.9% |
| Participant deferral / active EE | $8,779 | $5,051+73.8% | $6,247+40.5% | $3,332+163.5% |
| Admin fee / account holder | $2,697 | $5,420-50.2% | $9,244-70.8% | $4,645-41.9% |