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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 | $61,125-42.1% | $94,057-62.3% | $87,485-59.5% |
| Participation rate | 100.0% | 64.1%+35.9pp | 73.3%+26.7pp | 68.9%+31.1pp |
| Annual return | 15.53% | 35.20%-19.7pp | 480.62%-465.1pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,810 | $2,136-15.3% | $2,933-38.3% | $2,596-30.3% |
| Participant deferral / active EE | $4,094 | $3,260+25.6% | $4,709-13.1% | $4,274-4.2% |
| Admin fee / account holder | $5,027 | $5,629-10.7% | $7,244-30.6% | $7,775-35.3% |