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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 | $25,333 | $102,422-75.3% | $147,117-82.8% | $80,959-68.7% |
| Participation rate | 93.3% | 75.9%+17.5pp | 82.2%+11.1pp | 67.7%+25.7pp |
| Annual return | 13.30% | 135.16%-121.9pp | 420.54%-407.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $2,207 | $3,717-40.6% | $4,932-55.3% | $2,757-20.0% |
| Participant deferral / active EE | $4,680 | $6,652-29.6% | $8,065-42.0% | $4,300+8.8% |
| Admin fee / account holder | $3,412 | $7,953-57.1% | $12,993-73.7% | $6,925-50.7% |