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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 | $48,895 | $91,198-46.4% | $178,503-72.6% | $79,856-38.8% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 13.35% | 24.20%-10.8pp | 151.12%-137.8pp | 31.71%-18.4pp |
| Employer contribution / active EE | $1,700 | $3,257-47.8% | $5,011-66.1% | $2,471-31.2% |
| Participant deferral / active EE | $4,854 | $3,237+50.0% | $5,202-6.7% | $3,741+29.8% |
| Admin fee / account holder | $1,646 | $6,748-75.6% | $13,987-88.2% | $5,306-69.0% |