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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 | $102,374 | $127,790-19.9% | $106,555-3.9% | $167,536-38.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 18.68% | 33.88%-15.2pp | 26.80%-8.1pp | 478.82%-460.1pp |
| Employer contribution / active EE | $1,250 | $3,428-63.5% | $2,819-55.7% | $4,839-74.2% |
| Participant deferral / active EE | $26,924 | $5,088+429.1% | $4,399+512.1% | $6,342+324.5% |
| Admin fee / account holder | $3,111 | $11,229-72.3% | $7,408-58.0% | $12,315-74.7% |