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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 | $75,155 | $93,345-19.5% | $119,126-36.9% | $87,485-14.1% |
| Participation rate | 72.0% | 68.7%+3.3pp | 75.8%-3.8pp | 68.9%+3.1pp |
| Annual return | 13.85% | 19.08%-5.2pp | 282.11%-268.3pp | 26.06%-12.2pp |
| Employer contribution / active EE | $22,436 | $3,172+607.4% | $4,034+456.2% | $2,596+764.2% |
| Participant deferral / active EE | $0 | $4,099-100.0% | $5,318-100.0% | $4,274-100.0% |
| Admin fee / account holder | $8,395 | $8,039+4.4% | $10,693-21.5% | $7,775+8.0% |