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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 | $76,715 | $85,766-10.6% | $136,298-43.7% | $70,126+9.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 15.76% | 31.46%-15.7pp | 5156.27%-5140.5pp | 73.15%-57.4pp |
| Employer contribution / active EE | $2,842 | $2,966-4.2% | $4,696-39.5% | $2,343+21.3% |
| Participant deferral / active EE | $6,384 | $5,051+26.4% | $6,247+2.2% | $3,332+91.6% |
| Admin fee / account holder | $2,585 | $5,421-52.3% | $9,244-72.0% | $4,645-44.4% |