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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 | $36,929 | $72,071-48.8% | $68,368-46.0% | $137,256-73.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 19.31% | 353.14%-333.8pp | 292.57%-273.3pp | 220.34%-201.0pp |
| Employer contribution / active EE | $1,643 | $2,788-41.1% | $2,649-38.0% | $4,156-60.5% |
| Participant deferral / active EE | $7,227 | $4,410+63.9% | $4,123+75.3% | $6,407+12.8% |
| Admin fee / account holder | $401 | $5,336-92.5% | $5,150-92.2% | $12,270-96.7% |