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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 | $136,199 | $228,395-40.4% | $185,861-26.7% | $158,982-14.3% |
| Participation rate | 75.0% | 82.3%-7.3pp | 78.0%-3.0pp | 82.0%-7.0pp |
| Annual return | 0.00% | 40.82%-40.8pp | 35.96%-36.0pp | 302.99%-303.0pp |
| Employer contribution / active EE | $8,194 | $4,968+65.0% | $4,088+100.4% | $4,763+72.0% |
| Participant deferral / active EE | $13,745 | $6,417+114.2% | $5,634+144.0% | $5,983+129.7% |
| Admin fee / account holder | $586 | $11,869-95.1% | $9,503-93.8% | $11,252-94.8% |