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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 | $34,665 | $62,592-44.6% | $85,709-59.6% | $85,847-59.6% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.9%+30.1pp | 69.3%+30.7pp |
| Annual return | 14.16% | 23.77%-9.6pp | 21.49%-7.3pp | 318.61%-304.4pp |
| Employer contribution / active EE | $4,510 | $1,755+156.9% | $2,619+72.2% | $2,565+75.8% |
| Participant deferral / active EE | $3,718 | $2,802+32.7% | $3,924-5.2% | $3,952-5.9% |
| Admin fee / account holder | $866 | $4,643-81.3% | $6,876-87.4% | $6,261-86.2% |