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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 | $35,419 | $51,638-31.4% | $68,368-48.2% | $82,448-57.0% |
| Participation rate | 100.0% | 63.6%+36.4pp | 73.8%+26.2pp | 68.1%+31.9pp |
| Annual return | 15.53% | 37.53%-22.0pp | 292.57%-277.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,810 | $2,047-11.6% | $2,649-31.7% | $2,551-29.1% |
| Participant deferral / active EE | $4,094 | $2,914+40.5% | $4,123-0.7% | $4,139-1.1% |
| Admin fee / account holder | $5,027 | $4,643+8.3% | $5,150-2.4% | $7,234-30.5% |