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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 | $128,949 | $232,540-44.5% | $185,117-30.3% | $147,586-12.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 16.33% | 43.03%-26.7pp | 40.50%-24.2pp | 578.59%-562.3pp |
| Employer contribution / active EE | $1,747 | $5,195-66.4% | $4,182-58.2% | $4,876-64.2% |
| Participant deferral / active EE | $3,418 | $5,834-41.4% | $5,045-32.3% | $5,439-37.2% |
| Admin fee / account holder | $1,821 | $10,275-82.3% | $8,159-77.7% | $10,886-83.3% |