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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 | $57,025 | $64,324-11.3% | $118,946-52.1% | $79,852-28.6% |
| Participation rate | 100.0% | 64.9%+35.1pp | 75.4%+24.6pp | 69.6%+30.4pp |
| Annual return | 17.41% | 86.45%-69.0pp | 35.89%-18.5pp | 31.72%-14.3pp |
| Employer contribution / active EE | $1,891 | $1,836+3.0% | $3,263-42.1% | $2,471-23.5% |
| Participant deferral / active EE | $2,628 | $2,824-6.9% | $4,266-38.4% | $3,740-29.7% |
| Admin fee / account holder | $1,022 | $4,040-74.7% | $6,581-84.5% | $5,306-80.7% |