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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 | $44,731 | $58,234-23.2% | $81,783-45.3% | $80,874-44.7% |
| Participation rate | 100.0% | 63.4%+36.6pp | 72.4%+27.6pp | 67.6%+32.4pp |
| Annual return | 15.12% | 41.70%-26.6pp | 775.05%-759.9pp | 35.62%-20.5pp |
| Employer contribution / active EE | $1,670 | $2,341-28.7% | $2,913-42.7% | $2,756-39.4% |
| Participant deferral / active EE | $2,316 | $3,283-29.5% | $4,320-46.4% | $4,297-46.1% |
| Admin fee / account holder | $1,485 | $4,982-70.2% | $7,380-79.9% | $6,935-78.6% |