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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 | $64,359 | $58,258+10.5% | $81,820-21.3% | $80,925-20.5% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.4%+27.6pp | 67.7%+32.3pp |
| Annual return | 14.15% | 41.76%-27.6pp | 777.93%-763.8pp | 35.65%-21.5pp |
| Employer contribution / active EE | $4,743 | $2,345+102.2% | $2,915+62.7% | $2,756+72.1% |
| Participant deferral / active EE | $8,682 | $3,284+164.4% | $4,323+100.8% | $4,299+102.0% |
| Admin fee / account holder | $2,645 | $4,976-46.9% | $7,391-64.2% | $6,940-61.9% |