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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 | $72,909 | $102,422-28.8% | $147,117-50.4% | $80,959-9.9% |
| Participation rate | 97.0% | 75.9%+21.1pp | 82.2%+14.8pp | 67.7%+29.3pp |
| Annual return | 12.62% | 135.16%-122.5pp | 420.54%-407.9pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,131 | $3,717-42.7% | $4,932-56.8% | $2,757-22.7% |
| Participant deferral / active EE | $11,036 | $6,652+65.9% | $8,065+36.8% | $4,300+156.6% |
| Admin fee / account holder | $4,381 | $7,953-44.9% | $12,993-66.3% | $6,925-36.7% |