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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 | $47,741 | $54,558-12.5% | $76,002-37.2% | $74,546-36.0% |
| Participation rate | 100.0% | 60.3%+39.7pp | 69.1%+30.9pp | 67.2%+32.8pp |
| Annual return | 19.21% | 31.83%-12.6pp | 360.07%-340.9pp | 1366.03%-1346.8pp |
| Employer contribution / active EE | $2,554 | $1,778+43.6% | $2,688-5.0% | $2,624-2.7% |
| Participant deferral / active EE | $3,082 | $3,065+0.6% | $4,257-27.6% | $4,347-29.1% |
| Admin fee / account holder | $897 | $2,232-59.8% | $6,414-86.0% | $1,944-53.9% |