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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 | $93,892 | $100,901-6.9% | $75,501+24.4% | $147,586-36.4% |
| Participation rate | 100.0% | 77.1%+22.9pp | 72.4%+27.6pp | 82.8%+17.2pp |
| Annual return | 16.35% | 35.78%-19.4pp | 27.35%-11.0pp | 578.59%-562.2pp |
| Employer contribution / active EE | $4,653 | $3,253+43.0% | $2,352+97.9% | $4,876-4.6% |
| Participant deferral / active EE | $2,788 | $4,027-30.8% | $3,142-11.3% | $5,439-48.7% |
| Admin fee / account holder | $1,400 | $11,285-87.6% | $5,801-75.9% | $10,886-87.1% |