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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 | $77,755 | $85,790-9.4% | $67,313+15.5% | $135,382-42.6% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | 13.66% | -0.54%+14.2pp | -4.08%+17.7pp | 519.77%-506.1pp |
| Employer contribution / active EE | $11,686 | $3,487+235.1% | $2,566+355.5% | $4,779+144.5% |
| Participant deferral / active EE | $4,229 | $4,651-9.1% | $3,568+18.5% | $5,609-24.6% |
| Admin fee / account holder | $514 | $6,392-92.0% | $4,507-88.6% | $10,829-95.3% |