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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 | $31,025 | $116,203-73.3% | $93,621-66.9% | $152,897-79.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 21.37% | 35.96%-14.6pp | 32.76%-11.4pp | 345.43%-324.1pp |
| Employer contribution / active EE | $1,701 | $3,219-47.2% | $2,719-37.4% | $4,764-64.3% |
| Participant deferral / active EE | $3,586 | $4,605-22.1% | $4,070-11.9% | $5,851-38.7% |
| Admin fee / account holder | $12,836 | $10,751+19.4% | $7,890+62.7% | $11,599+10.7% |