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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 | $58,984 | $91,179-35.3% | $178,499-67.0% | $79,852-26.1% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 12.93% | 24.19%-11.3pp | 151.10%-138.2pp | 31.72%-18.8pp |
| Employer contribution / active EE | $2,310 | $3,256-29.1% | $5,011-53.9% | $2,471-6.5% |
| Participant deferral / active EE | $5,706 | $3,236+76.4% | $5,202+9.7% | $3,740+52.6% |
| Admin fee / account holder | $305 | $6,749-95.5% | $13,986-97.8% | $5,306-94.3% |