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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 | $67,672 | $45,566+48.5% | $64,105+5.6% | $59,633+13.5% |
| Participation rate | 100.0% | 60.2%+39.8pp | 68.2%+31.8pp | 68.7%+31.3pp |
| Annual return | 3.09% | 4.95%-1.9pp | 791.24%-788.2pp | 2041.45%-2038.4pp |
| Employer contribution / active EE | $1,653 | $934+76.9% | $1,820-9.2% | $2,203-25.0% |
| Participant deferral / active EE | $2,497 | $2,057+21.4% | $2,822-11.5% | $3,192-21.8% |
| Admin fee / account holder | $1,726 | $3,268-47.2% | $4,499-61.6% | $4,297-59.8% |