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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 | $40,242 | $106,923-62.4% | $84,023-52.1% | $152,909-73.7% |
| Participation rate | 100.0% | 75.3%+24.7pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 27.85% | 105.02%-77.2pp | 71.32%-43.5pp | 345.46%-317.6pp |
| Employer contribution / active EE | $1,964 | $2,735-28.2% | $1,984-1.0% | $4,764-58.8% |
| Participant deferral / active EE | $10,679 | $4,013+166.1% | $3,239+229.7% | $5,851+82.5% |
| Admin fee / account holder | $3,077 | $8,289-62.9% | $6,102-49.6% | $11,601-73.5% |