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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 | $22,113 | $91,167-75.7% | $178,498-87.6% | $79,858-72.3% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 19.24% | 24.19%-5.0pp | 151.09%-131.9pp | 31.72%-12.5pp |
| Employer contribution / active EE | $1,971 | $3,255-39.4% | $5,011-60.7% | $2,471-20.2% |
| Participant deferral / active EE | $4,672 | $3,236+44.4% | $5,202-10.2% | $3,740+24.9% |
| Admin fee / account holder | $516 | $6,747-92.3% | $13,985-96.3% | $5,306-90.3% |