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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 | $84,238 | $80,812+4.2% | $160,784-47.6% | $82,448+2.2% |
| Participation rate | 100.0% | 66.2%+33.8pp | 77.0%+23.0pp | 68.1%+31.9pp |
| Annual return | 15.70% | 100.59%-84.9pp | 1803.92%-1788.2pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,889 | $2,174+32.9% | $3,733-22.6% | $2,551+13.3% |
| Participant deferral / active EE | $5,430 | $4,335+25.2% | $6,293-13.7% | $4,139+31.2% |
| Admin fee / account holder | $1,145 | $7,695-85.1% | $9,717-88.2% | $7,234-84.2% |