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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 | $40,608 | $69,012-41.2% | $160,037-74.6% | $68,490-40.7% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 67.9%+32.1pp |
| Annual return | 4.44% | -9.65%+14.1pp | 408.95%-404.5pp | -7.85%+12.3pp |
| Employer contribution / active EE | $4,174 | $2,212+88.7% | $4,226-1.2% | $2,597+60.8% |
| Participant deferral / active EE | $6,328 | $4,212+50.3% | $6,184+2.3% | $4,028+57.1% |
| Admin fee / account holder | $1,988 | $4,798-58.6% | $8,716-77.2% | $5,403-63.2% |