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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 | $40,602 | $51,604-21.3% | $129,295-68.6% | $80,874-49.8% |
| Participation rate | 100.0% | 57.0%+43.0pp | 69.6%+30.4pp | 67.6%+32.4pp |
| Annual return | 12.37% | 20.76%-8.4pp | 9429.28%-9416.9pp | 35.62%-23.2pp |
| Employer contribution / active EE | $2,237 | $1,585+41.2% | $4,157-46.2% | $2,756-18.8% |
| Participant deferral / active EE | $3,285 | $2,670+23.0% | $4,169-21.2% | $4,297-23.5% |
| Admin fee / account holder | $1,501 | $4,310-65.2% | $7,665-80.4% | $6,935-78.4% |