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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 | $38,729 | $85,171-54.5% | $172,753-77.6% | $72,976-46.9% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | 17.42% | 27.32%-9.9pp | 803.00%-785.6pp | 81.02%-63.6pp |
| Employer contribution / active EE | $4,729 | $3,324+42.3% | $5,144-8.1% | $2,440+93.8% |
| Participant deferral / active EE | $3,567 | $3,260+9.4% | $5,198-31.4% | $3,608-1.1% |
| Admin fee / account holder | $2,426 | $5,880-58.7% | $13,956-82.6% | $5,124-52.6% |