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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 | $43,131 | $102,429-57.9% | $147,096-70.7% | $80,925-46.7% |
| Participation rate | 78.4% | 75.9%+2.5pp | 82.2%-3.8pp | 67.7%+10.7pp |
| Annual return | 19.30% | 135.02%-115.7pp | 419.75%-400.4pp | 35.65%-16.3pp |
| Employer contribution / active EE | $3,917 | $3,716+5.4% | $4,936-20.6% | $2,756+42.1% |
| Participant deferral / active EE | $9,363 | $6,649+40.8% | $8,071+16.0% | $4,299+117.8% |
| Admin fee / account holder | $2,478 | $7,957-68.9% | $13,005-80.9% | $6,940-64.3% |