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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 | $39,565 | $61,789-36.0% | $97,167-59.3% | $80,874-51.1% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.7%+27.3pp | 67.6%+32.4pp |
| Annual return | 22.37% | -557.90%+580.3pp | 75.27%-52.9pp | 35.62%-13.2pp |
| Employer contribution / active EE | $3,843 | $1,837+109.3% | $2,729+40.8% | $2,756+39.5% |
| Participant deferral / active EE | $6,611 | $3,028+118.3% | $4,264+55.1% | $4,297+53.9% |
| Admin fee / account holder | $6,295 | $5,168+21.8% | $5,650+11.4% | $6,935-9.2% |