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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 | $58,628 | $91,086-35.6% | $203,872-71.2% | $86,983-32.6% |
| Participation rate | 100.0% | 65.8%+34.2pp | 77.8%+22.2pp | 69.5%+30.5pp |
| Annual return | 19.70% | 22.30%-2.6pp | 85.11%-65.4pp | 25.83%-6.1pp |
| Employer contribution / active EE | $1,027 | $2,063-50.2% | $3,757-72.7% | $2,584-60.3% |
| Participant deferral / active EE | $9,461 | $4,019+135.4% | $6,388+48.1% | $4,194+125.6% |
| Admin fee / account holder | $8,361 | $8,987-7.0% | $11,730-28.7% | $7,856+6.4% |