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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 | $28,048 | $152,612-81.6% | $125,192-77.6% | $152,897-81.7% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 18.40% | 54.85%-36.4pp | 43.79%-25.4pp | 345.43%-327.0pp |
| Employer contribution / active EE | $1,409 | $4,947-71.5% | $3,866-63.6% | $4,764-70.4% |
| Participant deferral / active EE | $3,917 | $5,868-33.3% | $4,937-20.7% | $5,851-33.1% |
| Admin fee / account holder | $4,320 | $13,437-67.8% | $9,704-55.5% | $11,599-62.8% |