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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 | $71,943 | $77,920-7.7% | $149,723-51.9% | $75,177-4.3% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 17.37% | 31.72%-14.4pp | 134.50%-117.1pp | 160.75%-143.4pp |
| Employer contribution / active EE | $1,857 | $3,138-40.8% | $4,821-61.5% | $2,671-30.5% |
| Participant deferral / active EE | $6,397 | $3,411+87.5% | $5,682+12.6% | $4,126+55.0% |
| Admin fee / account holder | $900 | $5,951-84.9% | $13,215-93.2% | $5,651-84.1% |