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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 | $56,063-41.1% | $76,051-56.6% | $80,911-59.2% |
| Participation rate | 100.0% | 62.0%+38.0pp | 69.1%+30.9pp | 67.6%+32.4pp |
| Annual return | 17.92% | 20.54%-2.6pp | 360.42%-342.5pp | 35.63%-17.7pp |
| Employer contribution / active EE | $3,655 | $1,874+95.0% | $2,690+35.9% | $2,756+32.6% |
| Participant deferral / active EE | $10,747 | $3,052+252.1% | $4,257+152.4% | $4,297+150.1% |
| Admin fee / account holder | $2,173 | $5,240-58.5% | $6,416-66.1% | $6,935-68.7% |