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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 | $42,493 | $98,240-56.7% | $82,312-48.4% | $147,586-71.2% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 17.51% | 30.85%-13.3pp | 25.88%-8.4pp | 578.59%-561.1pp |
| Employer contribution / active EE | $2,169 | $3,192-32.0% | $2,428-10.7% | $4,876-55.5% |
| Participant deferral / active EE | $4,408 | $4,383+0.6% | $3,706+18.9% | $5,439-19.0% |
| Admin fee / account holder | $5,477 | $8,563-36.0% | $5,608-2.3% | $10,886-49.7% |