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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 | $60,756 | $48,327+25.7% | $67,575-10.1% | $80,935-24.9% |
| Participation rate | 100.0% | 66.4%+33.6pp | 72.9%+27.1pp | 67.7%+32.3pp |
| Annual return | 13.46% | 18.31%-4.8pp | 3528.98%-3515.5pp | 35.66%-22.2pp |
| Employer contribution / active EE | $10,103 | $2,022+399.6% | $2,736+269.3% | $2,757+266.5% |
| Participant deferral / active EE | $3,846 | $2,927+31.4% | $4,003-3.9% | $4,299-10.6% |
| Admin fee / account holder | $3,875 | $3,692+4.9% | $3,993-3.0% | $6,924-44.0% |