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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 | $80,462 | $102,422-21.4% | $147,117-45.3% | $80,959-0.6% |
| Participation rate | 70.0% | 75.9%-5.9pp | 82.2%-12.2pp | 67.7%+2.3pp |
| Annual return | 13.11% | 135.16%-122.0pp | 420.54%-407.4pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,666 | $3,717-55.2% | $4,932-66.2% | $2,757-39.6% |
| Participant deferral / active EE | $4,715 | $6,652-29.1% | $8,065-41.5% | $4,300+9.6% |
| Admin fee / account holder | $791 | $7,953-90.1% | $12,993-93.9% | $6,925-88.6% |