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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 | $32,438 | $91,179-64.4% | $178,499-81.8% | $79,852-59.4% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 22.07% | 24.19%-2.1pp | 151.10%-129.0pp | 31.72%-9.6pp |
| Employer contribution / active EE | $3,740 | $3,256+14.9% | $5,011-25.4% | $2,471+51.4% |
| Participant deferral / active EE | $3,290 | $3,236+1.7% | $5,202-36.8% | $3,740-12.0% |
| Admin fee / account holder | $1,162 | $6,749-82.8% | $13,986-91.7% | $5,306-78.1% |