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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 | $78,789 | $113,338-30.5% | $94,993-17.1% | $147,585-46.6% |
| Participation rate | 100.0% | 78.0%+22.0pp | 73.9%+26.1pp | 82.8%+17.2pp |
| Annual return | 17.97% | 20.80%-2.8pp | 27.14%-9.2pp | 578.58%-560.6pp |
| Employer contribution / active EE | $1,798 | $3,160-43.1% | $2,603-30.9% | $4,876-63.1% |
| Participant deferral / active EE | $6,225 | $3,777+64.8% | $3,317+87.7% | $5,439+14.5% |
| Admin fee / account holder | $29,524 | $6,063+387.0% | $4,960+495.2% | $10,886+171.2% |