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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 | $33,880 | $29,716+14.0% | $56,077-39.6% | $80,925-58.1% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.7%+32.3pp |
| Annual return | 12.76% | 35.30%-22.5pp | 1709.28%-1696.5pp | 35.65%-22.9pp |
| Employer contribution / active EE | $3,975 | $671+492.3% | $1,040+282.0% | $2,756+44.2% |
| Participant deferral / active EE | $3,913 | $1,228+218.5% | $1,954+100.2% | $4,299-9.0% |
| Admin fee / account holder | $1,277 | $2,432-47.5% | $2,825-54.8% | $6,940-81.6% |