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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 | $72,844 | $83,337-12.6% | $67,834+7.4% | $273,972-73.4% |
| Participation rate | 100.0% | 76.4%+23.6pp | 68.8%+31.2pp | 83.0%+17.0pp |
| Annual return | 3.43% | 259.45%-256.0pp | 138.47%-135.0pp | 41.46%-38.0pp |
| Employer contribution / active EE | $6,517 | $3,287+98.3% | $2,403+171.2% | $4,869+33.9% |
| Participant deferral / active EE | $4,935 | $4,088+20.7% | $3,160+56.2% | $5,287-6.7% |
| Admin fee / account holder | $1,009 | $6,752-85.1% | $4,622-78.2% | $10,133-90.0% |