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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 | $59,640 | $91,198-34.6% | $178,503-66.6% | $79,856-25.3% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 24.52% | 24.20%+0.3pp | 151.12%-126.6pp | 31.71%-7.2pp |
| Employer contribution / active EE | $2,830 | $3,257-13.1% | $5,011-43.5% | $2,471+14.5% |
| Participant deferral / active EE | $4,472 | $3,237+38.2% | $5,202-14.0% | $3,741+19.6% |
| Admin fee / account holder | $1,336 | $6,748-80.2% | $13,987-90.4% | $5,306-74.8% |