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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 | $63,172 | $65,027-2.9% | $90,970-30.6% | $79,852-20.9% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.0%+31.0pp | 69.6%+30.4pp |
| Annual return | 11.36% | 30.45%-19.1pp | 134.58%-123.2pp | 31.72%-20.4pp |
| Employer contribution / active EE | $500 | $1,247-59.9% | $2,122-76.4% | $2,471-79.8% |
| Participant deferral / active EE | $2,265 | $2,512-9.8% | $3,373-32.9% | $3,740-39.5% |
| Admin fee / account holder | $25,162 | $4,535+454.8% | $5,960+322.2% | $5,306+374.2% |