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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 | $41,328 | $102,429-59.7% | $147,096-71.9% | $80,925-48.9% |
| Participation rate | 93.1% | 75.9%+17.2pp | 82.2%+10.9pp | 67.7%+25.4pp |
| Annual return | 13.46% | 135.02%-121.6pp | 419.75%-406.3pp | 35.65%-22.2pp |
| Employer contribution / active EE | $3,657 | $3,716-1.6% | $4,936-25.9% | $2,756+32.7% |
| Participant deferral / active EE | $8,381 | $6,649+26.1% | $8,071+3.8% | $4,299+95.0% |
| Admin fee / account holder | $5,194 | $7,957-34.7% | $13,005-60.1% | $6,940-25.2% |