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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 | $33,034 | $55,889-40.9% | $76,119-56.6% | $80,935-59.2% |
| Participation rate | 100.0% | 62.1%+37.9pp | 69.1%+30.9pp | 67.7%+32.3pp |
| Annual return | 17.92% | 20.58%-2.7pp | 361.25%-343.3pp | 35.66%-17.7pp |
| Employer contribution / active EE | $3,655 | $1,866+95.9% | $2,693+35.7% | $2,757+32.6% |
| Participant deferral / active EE | $10,747 | $3,051+252.2% | $4,259+152.3% | $4,299+150.0% |
| Admin fee / account holder | $2,173 | $5,241-58.5% | $6,421-66.2% | $6,924-68.6% |