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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 | $39,891 | $61,755-35.4% | $97,161-58.9% | $80,911-50.7% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.7%+27.3pp | 67.6%+32.4pp |
| Annual return | 11.09% | -557.90%+569.0pp | 75.36%-64.3pp | 35.63%-24.5pp |
| Employer contribution / active EE | $4,203 | $1,835+129.1% | $2,723+54.3% | $2,756+52.5% |
| Participant deferral / active EE | $3,823 | $3,026+26.3% | $4,265-10.4% | $4,297-11.0% |
| Admin fee / account holder | $22,237 | $5,166+330.4% | $5,647+293.8% | $6,935+220.7% |