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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 | $157,829-76.6% | $136,867-73.0% | $198,609-81.4% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 19.31% | 51.25%-31.9pp | 42.97%-23.7pp | 202.70%-183.4pp |
| Employer contribution / active EE | $1,643 | $3,923-58.1% | $3,547-53.7% | $5,055-67.5% |
| Participant deferral / active EE | $7,227 | $5,463+32.3% | $4,924+46.8% | $6,977+3.6% |
| Admin fee / account holder | $401 | $11,107-96.4% | $10,340-96.1% | $19,030-97.9% |