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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 | $39,209 | $68,681-42.9% | $86,615-54.7% | $85,847-54.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 71.6%+28.4pp | 69.3%+30.7pp |
| Annual return | 13.69% | 20.12%-6.4pp | 63.51%-49.8pp | 318.61%-304.9pp |
| Employer contribution / active EE | $3,535 | $1,880+88.0% | $2,496+41.6% | $2,565+37.8% |
| Participant deferral / active EE | $2,088 | $2,919-28.5% | $3,699-43.6% | $3,952-47.2% |
| Admin fee / account holder | $15,601 | $5,974+161.1% | $5,830+167.6% | $6,261+149.2% |