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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 | $47,101 | $72,071-34.6% | $68,368-31.1% | $137,256-65.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 18.30% | 353.14%-334.8pp | 292.57%-274.3pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,689 | $2,788-39.4% | $2,649-36.2% | $4,156-59.4% |
| Participant deferral / active EE | $11,970 | $4,410+171.4% | $4,123+190.3% | $6,407+86.8% |
| Admin fee / account holder | $7,129 | $5,336+33.6% | $5,150+38.4% | $12,270-41.9% |