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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 | $85,149 | $113,174-24.8% | - | $145,897-41.6% |
| Participation rate | 83.3% | 68.8%+14.6pp | - | 80.3%+3.0pp |
| Annual return | 12.03% | 21.70%-9.7pp | - | 552.29%-540.3pp |
| Employer contribution / active EE | $0 | $5,760-100.0% | - | $4,663-100.0% |
| Participant deferral / active EE | $13,839 | $5,566+148.6% | - | $6,689+106.9% |
| Admin fee / account holder | $12,004 | $6,302+90.5% | - | $13,390-10.4% |