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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 | $34,025 | $157,304-78.4% | $141,197-75.9% | $152,909-77.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.58% | 64.34%-45.8pp | 71.41%-52.8pp | 345.46%-326.9pp |
| Employer contribution / active EE | $1,761 | $5,263-66.5% | $4,736-62.8% | $4,764-63.0% |
| Participant deferral / active EE | $3,649 | $7,111-48.7% | $6,710-45.6% | $5,851-37.6% |
| Admin fee / account holder | $343 | $12,126-97.2% | $10,265-96.7% | $11,601-97.0% |