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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 | $27,604 | $63,703-56.7% | $93,063-70.3% | $82,448-66.5% |
| Participation rate | 94.3% | 63.8%+30.5pp | 72.1%+22.2pp | 68.1%+26.3pp |
| Annual return | 37.64% | -775.43%+813.1pp | 34.15%+3.5pp | 41.64%-4.0pp |
| Employer contribution / active EE | $3,272 | $1,729+89.3% | $2,476+32.1% | $2,551+28.3% |
| Participant deferral / active EE | $4,485 | $2,919+53.7% | $3,958+13.3% | $4,139+8.4% |
| Admin fee / account holder | $3,136 | $5,982-47.6% | $6,033-48.0% | $7,234-56.6% |