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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 | $59,894 | $75,935-21.1% | $60,547-1.1% | $125,389-52.2% |
| Participation rate | 100.0% | 76.5%+23.5pp | 68.0%+32.0pp | 83.2%+16.8pp |
| Annual return | 4.72% | -5.38%+10.1pp | 335.64%-330.9pp | 282.24%-277.5pp |
| Employer contribution / active EE | $5,881 | $3,438+71.1% | $2,419+143.1% | $4,866+20.9% |
| Participant deferral / active EE | $5,112 | $4,506+13.4% | $3,328+53.6% | $5,352-4.5% |
| Admin fee / account holder | $4,227 | $6,768-37.5% | $4,536-6.8% | $9,541-55.7% |