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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 | $60,442 | $98,463-38.6% | $119,237-49.3% | $85,851-29.6% |
| Participation rate | 100.0% | 77.6%+22.4pp | 82.7%+17.3pp | 69.3%+30.7pp |
| Annual return | 14.58% | 38.53%-23.9pp | 30.70%-16.1pp | 318.63%-304.1pp |
| Employer contribution / active EE | $3,998 | $3,698+8.1% | $4,383-8.8% | $2,565+55.8% |
| Participant deferral / active EE | $4,155 | $4,942-15.9% | $6,112-32.0% | $3,952+5.1% |
| Admin fee / account holder | $3,252 | $7,493-56.6% | $7,229-55.0% | $6,261-48.1% |