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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 | $45,726 | $95,406-52.1% | $185,849-75.4% | $85,847-46.7% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 14.74% | 23.59%-8.8pp | 122.10%-107.4pp | 318.61%-303.9pp |
| Employer contribution / active EE | $4,534 | $3,314+36.8% | $5,169-12.3% | $2,565+76.8% |
| Participant deferral / active EE | $2,581 | $3,424-24.6% | $5,569-53.6% | $3,952-34.7% |
| Admin fee / account holder | $673 | $7,214-90.7% | $16,244-95.9% | $6,261-89.3% |