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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 | $36,686 | $102,385-64.2% | $147,080-75.1% | $80,935-54.7% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 15.03% | 135.09%-120.1pp | 420.17%-405.1pp | 35.66%-20.6pp |
| Employer contribution / active EE | $3,998 | $3,717+7.6% | $4,933-19.0% | $2,757+45.0% |
| Participant deferral / active EE | $11,138 | $6,651+67.5% | $8,066+38.1% | $4,299+159.1% |
| Admin fee / account holder | $1,482 | $7,951-81.4% | $12,989-88.6% | $6,924-78.6% |