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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 | $67,842 | $72,071-5.9% | $68,368-0.8% | $137,256-50.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 15.96% | 353.14%-337.2pp | 292.57%-276.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $3,039 | $2,788+9.0% | $2,649+14.7% | $4,156-26.9% |
| Participant deferral / active EE | $6,252 | $4,410+41.8% | $4,123+51.6% | $6,407-2.4% |
| Admin fee / account holder | $354 | $5,336-93.4% | $5,150-93.1% | $12,270-97.1% |