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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 | $24,681 | $105,200-76.5% | $159,474-84.5% | $85,847-71.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 13.55% | 45.08%-31.5pp | 263.68%-250.1pp | 318.61%-305.1pp |
| Employer contribution / active EE | $3,953 | $3,319+19.1% | $4,831-18.2% | $2,565+54.1% |
| Participant deferral / active EE | $7,870 | $5,946+32.4% | $7,353+7.0% | $3,952+99.1% |
| Admin fee / account holder | $3,538 | $6,934-49.0% | $10,802-67.2% | $6,261-43.5% |