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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 | $43,791 | $100,901-56.6% | $75,501-42.0% | $147,586-70.3% |
| Participation rate | 100.0% | 77.1%+22.9pp | 72.4%+27.6pp | 82.8%+17.2pp |
| Annual return | 15.63% | 35.78%-20.2pp | 27.35%-11.7pp | 578.59%-563.0pp |
| Employer contribution / active EE | $1,617 | $3,253-50.3% | $2,352-31.3% | $4,876-66.8% |
| Participant deferral / active EE | $3,977 | $4,027-1.2% | $3,142+26.6% | $5,439-26.9% |
| Admin fee / account holder | $667 | $11,285-94.1% | $5,801-88.5% | $10,886-93.9% |