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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 | $37,394 | $70,366-46.9% | $66,674-43.9% | $138,895-73.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 16.36% | 386.41%-370.1pp | 321.24%-304.9pp | 145.39%-129.0pp |
| Employer contribution / active EE | $1,459 | $2,765-47.2% | $2,620-44.3% | $4,194-65.2% |
| Participant deferral / active EE | $4,279 | $4,374-2.2% | $4,084+4.8% | $6,396-33.1% |
| Admin fee / account holder | $4,322 | $5,262-17.9% | $5,098-15.2% | $12,562-65.6% |