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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 | $69,714 | $85,766-18.7% | $136,298-48.9% | $70,126-0.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 18.91% | 31.46%-12.5pp | 5156.27%-5137.4pp | 73.15%-54.2pp |
| Employer contribution / active EE | $2,224 | $2,966-25.0% | $4,696-52.6% | $2,343-5.1% |
| Participant deferral / active EE | $4,679 | $5,051-7.4% | $6,247-25.1% | $3,332+40.4% |
| Admin fee / account holder | $474 | $5,421-91.3% | $9,244-94.9% | $4,645-89.8% |