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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 | $28,657 | $101,069-71.6% | $81,478-64.8% | $147,585-80.6% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 12.41% | 32.40%-20.0pp | 38.78%-26.4pp | 578.57%-566.2pp |
| Employer contribution / active EE | $1,378 | $3,205-57.0% | $2,568-46.4% | $4,876-71.8% |
| Participant deferral / active EE | $12,000 | $4,242+182.9% | $3,537+239.3% | $5,439+120.6% |
| Admin fee / account holder | $340 | $5,812-94.2% | $4,561-92.6% | $10,885-96.9% |