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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 | $62,731 | $62,592+0.2% | $85,693-26.8% | $85,856-26.9% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.9%+30.1pp | 69.3%+30.7pp |
| Annual return | 17.77% | 23.77%-6.0pp | 21.49%-3.7pp | 318.58%-300.8pp |
| Employer contribution / active EE | $4,707 | $1,755+168.2% | $2,618+79.8% | $2,565+83.5% |
| Participant deferral / active EE | $3,496 | $2,802+24.7% | $3,923-10.9% | $3,952-11.5% |
| Admin fee / account holder | $12,302 | $4,643+165.0% | $6,874+79.0% | $6,261+96.5% |