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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 | $34,652 | $48,364-28.4% | $71,796-51.7% | $62,881-44.9% |
| Participation rate | 100.0% | 60.6%+39.4pp | 69.1%+30.9pp | 69.3%+30.7pp |
| Annual return | 6.68% | 13.16%-6.5pp | 78.04%-71.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $2,234 | $1,042+114.4% | $1,924+16.1% | $2,281-2.1% |
| Participant deferral / active EE | $1,774 | $2,091-15.2% | $2,794-36.5% | $3,203-44.6% |
| Admin fee / account holder | $349 | $3,771-90.7% | $4,815-92.7% | $4,296-91.9% |