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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 | $39,518 | $111,878-64.7% | $93,727-57.8% | $145,897-72.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 10.95% | 204.28%-193.3pp | 133.83%-122.9pp | 552.29%-541.3pp |
| Employer contribution / active EE | $1,956 | $3,092-36.7% | $2,421-19.2% | $4,663-58.1% |
| Participant deferral / active EE | $5,151 | $4,920+4.7% | $4,417+16.6% | $6,689-23.0% |
| Admin fee / account holder | $12,486 | $10,256+21.7% | $8,292+50.6% | $13,390-6.8% |