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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 | $69,301 | $78,690-11.9% | $161,489-57.1% | $87,485-20.8% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 20.23% | 32.74%-12.5pp | 89.72%-69.5pp | 26.06%-5.8pp |
| Employer contribution / active EE | $3,241 | $2,588+25.2% | $4,268-24.1% | $2,596+24.8% |
| Participant deferral / active EE | $10,758 | $3,311+224.9% | $5,630+91.1% | $4,274+151.7% |
| Admin fee / account holder | $2,083 | $6,724-69.0% | $16,006-87.0% | $7,775-73.2% |