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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 | $43,857 | $102,385-57.2% | $147,080-70.2% | $80,935-45.8% |
| Participation rate | 74.3% | 75.9%-1.6pp | 82.2%-7.9pp | 67.7%+6.6pp |
| Annual return | 21.60% | 135.09%-113.5pp | 420.17%-398.6pp | 35.66%-14.1pp |
| Employer contribution / active EE | $2,810 | $3,717-24.4% | $4,933-43.0% | $2,757+1.9% |
| Participant deferral / active EE | $5,945 | $6,651-10.6% | $8,066-26.3% | $4,299+38.3% |
| Admin fee / account holder | $3,075 | $7,951-61.3% | $12,989-76.3% | $6,924-55.6% |