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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 | $72,148 | $131,835-45.3% | $108,582-33.6% | $273,972-73.7% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 29.64% | -91.57%+121.2pp | -51.70%+81.3pp | 41.46%-11.8pp |
| Employer contribution / active EE | $3,844 | $4,913-21.8% | $3,758+2.3% | $4,869-21.0% |
| Participant deferral / active EE | $8,417 | $5,127+64.2% | $4,311+95.2% | $5,287+59.2% |
| Admin fee / account holder | $1,040 | $10,253-89.9% | $7,645-86.4% | $10,133-89.7% |