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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 | $86,024 | $105,200-18.2% | $159,474-46.1% | $85,847+0.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 30.66% | 45.08%-14.4pp | 263.68%-233.0pp | 318.61%-287.9pp |
| Employer contribution / active EE | $11,677 | $3,319+251.8% | $4,831+141.7% | $2,565+355.2% |
| Participant deferral / active EE | $23,500 | $5,946+295.2% | $7,353+219.6% | $3,952+494.6% |
| Admin fee / account holder | $3,314 | $6,934-52.2% | $10,802-69.3% | $6,261-47.1% |