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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 | $45,159 | $111,785-59.6% | $93,669-51.8% | $145,877-69.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 13.56% | 203.79%-190.2pp | 133.59%-120.0pp | 551.28%-537.7pp |
| Employer contribution / active EE | $1,105 | $3,096-64.3% | $2,424-54.4% | $4,663-76.3% |
| Participant deferral / active EE | $4,939 | $4,919+0.4% | $4,416+11.8% | $6,691-26.2% |
| Admin fee / account holder | $325 | $10,256-96.8% | $8,291-96.1% | $13,402-97.6% |