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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 | $75,269 | $94,529-20.4% | $140,019-46.2% | $64,181+17.3% |
| Participation rate | 97.1% | 84.1%+13.1pp | 87.5%+9.6pp | 69.6%+27.6pp |
| Annual return | 0.00% | 7.77%-7.8pp | 651.15%-651.2pp | 7.63%-7.6pp |
| Employer contribution / active EE | $4,786 | $3,812+25.5% | $5,605-14.6% | $2,381+101.0% |
| Participant deferral / active EE | $13,321 | $5,250+153.7% | $6,927+92.3% | $3,470+283.9% |
| Admin fee / account holder | $778 | $6,741-88.5% | $10,705-92.7% | $4,887-84.1% |