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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 | $48,102 | $91,198-47.3% | $178,503-73.1% | $79,856-39.8% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 12.21% | 24.20%-12.0pp | 151.12%-138.9pp | 31.71%-19.5pp |
| Employer contribution / active EE | $4,729 | $3,257+45.2% | $5,011-5.6% | $2,471+91.4% |
| Participant deferral / active EE | $2,849 | $3,237-12.0% | $5,202-45.2% | $3,741-23.8% |
| Admin fee / account holder | $2,465 | $6,748-63.5% | $13,987-82.4% | $5,306-53.6% |