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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 | $27,794 | $93,589-70.3% | $135,942-79.6% | $75,181-63.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 76.47% | 30.90%+45.6pp | 68.28%+8.2pp | 160.69%-84.2pp |
| Employer contribution / active EE | $3,781 | $3,537+6.9% | $4,858-22.2% | $2,671+41.6% |
| Participant deferral / active EE | $10,000 | $6,405+56.1% | $7,759+28.9% | $4,126+142.4% |
| Admin fee / account holder | $2,951 | $6,977-57.7% | $10,764-72.6% | $5,650-47.8% |