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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 | $34,366 | $115,810-70.3% | $101,271-66.1% | $158,966-78.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 10.95% | 56.15%-45.2pp | 46.48%-35.5pp | 302.95%-292.0pp |
| Employer contribution / active EE | $2,001 | $4,175-52.1% | $3,660-45.3% | $4,762-58.0% |
| Participant deferral / active EE | $2,048 | $4,958-58.7% | $4,371-53.1% | $5,983-65.8% |
| Admin fee / account holder | $9,149 | $7,248+26.2% | $5,948+53.8% | $11,250-18.7% |