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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 | $37,572 | $157,276-76.1% | $141,177-73.4% | $152,885-75.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.52% | 64.33%-45.8pp | 71.40%-52.9pp | 345.39%-326.9pp |
| Employer contribution / active EE | $2,712 | $5,262-48.5% | $4,736-42.7% | $4,763-43.1% |
| Participant deferral / active EE | $6,222 | $7,110-12.5% | $6,710-7.3% | $5,851+6.3% |
| Admin fee / account holder | $448 | $12,123-96.3% | $10,263-95.6% | $11,598-96.1% |