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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 | $27,629 | $102,422-73.0% | $147,117-81.2% | $80,959-65.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 15.74% | 135.16%-119.4pp | 420.54%-404.8pp | 35.67%-19.9pp |
| Employer contribution / active EE | $2,510 | $3,717-32.5% | $4,932-49.1% | $2,757-9.0% |
| Participant deferral / active EE | $4,640 | $6,652-30.2% | $8,065-42.5% | $4,300+7.9% |
| Admin fee / account holder | $634 | $7,953-92.0% | $12,993-95.1% | $6,925-90.8% |