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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 | $66,958 | $105,856-36.7% | $90,161-25.7% | $147,586-54.6% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 14.45% | 37.63%-23.2pp | 34.89%-20.4pp | 578.59%-564.1pp |
| Employer contribution / active EE | $3,800 | $4,126-7.9% | $3,318+14.5% | $4,876-22.1% |
| Participant deferral / active EE | $13,285 | $5,733+131.7% | $5,287+151.3% | $5,439+144.3% |
| Admin fee / account holder | $3,458 | $8,046-57.0% | $5,943-41.8% | $10,886-68.2% |