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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 | $72,836 | $101,063-27.9% | $81,473-10.6% | $147,586-50.6% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 19.71% | 32.41%-12.7pp | 38.78%-19.1pp | 578.59%-558.9pp |
| Employer contribution / active EE | $5,630 | $3,206+75.6% | $2,568+119.2% | $4,876+15.4% |
| Participant deferral / active EE | $3,779 | $4,242-10.9% | $3,537+6.8% | $5,439-30.5% |
| Admin fee / account holder | $743 | $5,812-87.2% | $4,561-83.7% | $10,886-93.2% |