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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 | $58,312 | $111,787-47.8% | $93,681-37.8% | $145,978-60.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 14.91% | 203.52%-188.6pp | 133.47%-118.6pp | 550.52%-535.6pp |
| Employer contribution / active EE | $1,251 | $3,093-59.6% | $2,422-48.4% | $4,662-73.2% |
| Participant deferral / active EE | $9,031 | $4,918+83.7% | $4,415+104.6% | $6,690+35.0% |
| Admin fee / account holder | $370 | $10,256-96.4% | $8,290-95.5% | $13,400-97.2% |