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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 | $27,946 | $102,422-72.7% | $147,117-81.0% | $80,959-65.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 12.37% | 135.16%-122.8pp | 420.54%-408.2pp | 35.67%-23.3pp |
| Employer contribution / active EE | $2,982 | $3,717-19.8% | $4,932-39.5% | $2,757+8.2% |
| Participant deferral / active EE | $6,328 | $6,652-4.9% | $8,065-21.5% | $4,300+47.2% |
| Admin fee / account holder | $4,822 | $7,953-39.4% | $12,993-62.9% | $6,925-30.4% |