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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 | $25,300 | $99,053-74.5% | $88,179-71.3% | $138,895-81.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 23.72% | 78.17%-54.4pp | 64.97%-41.2pp | 145.39%-121.7pp |
| Employer contribution / active EE | $3,842 | $2,882+33.3% | $2,549+50.7% | $4,194-8.4% |
| Participant deferral / active EE | $8,629 | $5,225+65.1% | $4,614+87.0% | $6,396+34.9% |
| Admin fee / account holder | $539 | $8,748-93.8% | $7,673-93.0% | $12,562-95.7% |