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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 | $27,560 | $101,063-72.7% | $81,473-66.2% | $147,585-81.3% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 10.41% | 32.41%-22.0pp | 38.78%-28.4pp | 578.58%-568.2pp |
| Employer contribution / active EE | $3,248 | $3,206+1.3% | $2,568+26.5% | $4,876-33.4% |
| Participant deferral / active EE | $4,629 | $4,242+9.1% | $3,537+30.9% | $5,439-14.9% |
| Admin fee / account holder | $10,906 | $5,812+87.6% | $4,561+139.1% | $10,886+0.2% |