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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 | $75,449 | $85,766-12.0% | $136,298-44.6% | $70,126+7.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 14.83% | 31.46%-16.6pp | 5156.27%-5141.4pp | 73.15%-58.3pp |
| Employer contribution / active EE | $4,268 | $2,966+43.9% | $4,696-9.1% | $2,343+82.2% |
| Participant deferral / active EE | $3,350 | $5,051-33.7% | $6,247-46.4% | $3,332+0.5% |
| Admin fee / account holder | $3,724 | $5,421-31.3% | $9,244-59.7% | $4,645-19.8% |