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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 | $57,026 | $91,198-37.5% | $178,503-68.1% | $79,856-28.6% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 16.44% | 24.20%-7.8pp | 151.12%-134.7pp | 31.71%-15.3pp |
| Employer contribution / active EE | $3,528 | $3,257+8.3% | $5,011-29.6% | $2,471+42.8% |
| Participant deferral / active EE | $3,110 | $3,237-3.9% | $5,202-40.2% | $3,741-16.8% |
| Admin fee / account holder | $1,237 | $6,748-81.7% | $13,987-91.2% | $5,306-76.7% |