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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 | $23,394 | $61,815-62.2% | $97,295-76.0% | $80,959-71.1% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.7%+27.3pp | 67.7%+32.3pp |
| Annual return | 21.33% | -558.73%+580.1pp | 75.62%-54.3pp | 35.67%-14.3pp |
| Employer contribution / active EE | $3,913 | $1,836+113.1% | $2,723+43.7% | $2,757+41.9% |
| Participant deferral / active EE | $5,161 | $3,027+70.5% | $4,264+21.1% | $4,300+20.0% |
| Admin fee / account holder | $2,900 | $5,166-43.9% | $5,646-48.6% | $6,925-58.1% |