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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 | $52,424 | $102,429-48.8% | $147,096-64.4% | $80,925-35.2% |
| Participation rate | 89.7% | 75.9%+13.8pp | 82.2%+7.5pp | 67.7%+22.0pp |
| Annual return | 16.86% | 135.02%-118.2pp | 419.75%-402.9pp | 35.65%-18.8pp |
| Employer contribution / active EE | $2,291 | $3,716-38.3% | $4,936-53.6% | $2,756-16.9% |
| Participant deferral / active EE | $9,186 | $6,649+38.2% | $8,071+13.8% | $4,299+113.7% |
| Admin fee / account holder | $2,372 | $7,957-70.2% | $13,005-81.8% | $6,940-65.8% |