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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 | $70,610 | $95,406-26.0% | $185,849-62.0% | $85,847-17.7% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 17.84% | 23.59%-5.7pp | 122.10%-104.3pp | 318.61%-300.8pp |
| Employer contribution / active EE | $4,850 | $3,314+46.4% | $5,169-6.2% | $2,565+89.1% |
| Participant deferral / active EE | $4,243 | $3,424+23.9% | $5,569-23.8% | $3,952+7.4% |
| Admin fee / account holder | $1,031 | $7,214-85.7% | $16,244-93.7% | $6,261-83.5% |