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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 | $20,801 | $109,344-81.0% | $89,400-76.7% | $158,950-86.9% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 16.71% | 345.73%-329.0pp | 245.64%-228.9pp | 302.91%-286.2pp |
| Employer contribution / active EE | $1,362 | $3,170-57.1% | $2,586-47.3% | $4,762-71.4% |
| Participant deferral / active EE | $1,553 | $4,599-66.2% | $3,890-60.1% | $5,983-74.0% |
| Admin fee / account holder | $5,275 | $6,154-14.3% | $4,882+8.0% | $11,248-53.1% |