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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 | $74,906 | $75,962-1.4% | $154,108-51.4% | $64,173+16.7% |
| Participation rate | 83.3% | 70.4%+12.9pp | 83.0%+0.3pp | 69.6%+13.8pp |
| Annual return | -6.08% | 30.32%-36.4pp | 735.21%-741.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $5,114 | $3,350+52.6% | $5,298-3.5% | $2,381+114.8% |
| Participant deferral / active EE | $5,245 | $3,175+65.2% | $5,081+3.2% | $3,470+51.2% |
| Admin fee / account holder | $10,083 | $5,589+80.4% | $13,411-24.8% | $4,887+106.3% |