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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 | $30,262 | $102,382-70.4% | $147,005-79.4% | $80,874-62.6% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 14.43% | 134.89%-120.5pp | 418.76%-404.3pp | 35.62%-21.2pp |
| Employer contribution / active EE | $1,033 | $3,715-72.2% | $4,934-79.1% | $2,756-62.5% |
| Participant deferral / active EE | $5,531 | $6,646-16.8% | $8,070-31.5% | $4,297+28.7% |
| Admin fee / account holder | $460 | $7,942-94.2% | $13,006-96.5% | $6,935-93.4% |