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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 | $50,066 | $102,422-51.1% | $147,117-66.0% | $80,959-38.2% |
| Participation rate | 93.3% | 75.9%+17.5pp | 82.2%+11.1pp | 67.7%+25.7pp |
| Annual return | 16.59% | 135.16%-118.6pp | 420.54%-404.0pp | 35.67%-19.1pp |
| Employer contribution / active EE | $3,258 | $3,717-12.3% | $4,932-33.9% | $2,757+18.2% |
| Participant deferral / active EE | $8,329 | $6,652+25.2% | $8,065+3.3% | $4,300+93.7% |
| Admin fee / account holder | $3,037 | $7,953-61.8% | $12,993-76.6% | $6,925-56.1% |