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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 | $72,817 | $102,429-28.9% | $147,096-50.5% | $80,925-10.0% |
| Participation rate | 76.8% | 75.9%+0.9pp | 82.2%-5.4pp | 67.7%+9.1pp |
| Annual return | 15.30% | 135.02%-119.7pp | 419.75%-404.4pp | 35.65%-20.3pp |
| Employer contribution / active EE | $2,280 | $3,716-38.6% | $4,936-53.8% | $2,756-17.3% |
| Participant deferral / active EE | $7,965 | $6,649+19.8% | $8,071-1.3% | $4,299+85.3% |
| Admin fee / account holder | $21,607 | $7,957+171.5% | $13,005+66.1% | $6,940+211.3% |