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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 | $41,179 | $58,311-29.4% | $81,882-49.7% | $80,959-49.1% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.4%+27.6pp | 67.7%+32.3pp |
| Annual return | 11.85% | 41.85%-30.0pp | 779.47%-767.6pp | 35.67%-23.8pp |
| Employer contribution / active EE | $5,188 | $2,347+121.1% | $2,916+77.9% | $2,757+88.2% |
| Participant deferral / active EE | $5,270 | $3,287+60.3% | $4,323+21.9% | $4,300+22.6% |
| Admin fee / account holder | $8,911 | $4,752+87.5% | $7,360+21.1% | $6,925+28.7% |