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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 | $53,329 | $61,815-13.7% | $97,295-45.2% | $80,959-34.1% |
| Participation rate | 90.0% | 63.5%+26.5pp | 72.7%+17.3pp | 67.7%+22.3pp |
| Annual return | 10.92% | -558.73%+569.7pp | 75.62%-64.7pp | 35.67%-24.7pp |
| Employer contribution / active EE | $3,337 | $1,836+81.7% | $2,723+22.5% | $2,757+21.0% |
| Participant deferral / active EE | $6,744 | $3,027+122.8% | $4,264+58.2% | $4,300+56.8% |
| Admin fee / account holder | $1,731 | $5,166-66.5% | $5,646-69.3% | $6,925-75.0% |