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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 | $84,815 | $91,536-7.3% | $130,062-34.8% | $75,177+12.8% |
| Participation rate | 100.0% | 71.5%+28.5pp | 78.5%+21.5pp | 67.2%+32.8pp |
| Annual return | 15.05% | -631.62%+646.7pp | -137.37%+152.4pp | 160.75%-145.7pp |
| Employer contribution / active EE | $3,461 | $2,845+21.7% | $4,322-19.9% | $2,671+29.6% |
| Participant deferral / active EE | $4,631 | $4,343+6.6% | $5,821-20.4% | $4,126+12.2% |
| Admin fee / account holder | $494 | $6,780-92.7% | $10,601-95.3% | $5,651-91.3% |