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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 | $72,444 | $89,364-18.9% | $141,177-48.7% | $72,983-0.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 26.90% | 111.86%-85.0pp | 71.40%-44.5pp | 81.01%-54.1pp |
| Employer contribution / active EE | $3,929 | $3,115+26.2% | $4,736-17.0% | $2,440+61.0% |
| Participant deferral / active EE | $11,455 | $5,419+111.4% | $6,710+70.7% | $3,608+217.5% |
| Admin fee / account holder | $2,220 | $5,959-62.7% | $10,263-78.4% | $5,124-56.7% |