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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 | $79,020 | $183,539-56.9% | $155,556-49.2% | $145,897-45.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 23.28% | 61.31%-38.0pp | 64.84%-41.6pp | 552.29%-529.0pp |
| Employer contribution / active EE | $1,822 | $5,315-65.7% | $4,675-61.0% | $4,663-60.9% |
| Participant deferral / active EE | $3,609 | $6,467-44.2% | $5,631-35.9% | $6,689-46.0% |
| Admin fee / account holder | $10,334 | $19,275-46.4% | $15,885-34.9% | $13,390-22.8% |