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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 | $30,573 | $102,422-70.2% | $147,117-79.2% | $80,959-62.2% |
| Participation rate | 94.0% | 75.9%+18.1pp | 82.2%+11.8pp | 67.7%+26.3pp |
| Annual return | 14.19% | 135.16%-121.0pp | 420.54%-406.4pp | 35.67%-21.5pp |
| Employer contribution / active EE | $1,288 | $3,717-65.4% | $4,932-73.9% | $2,757-53.3% |
| Participant deferral / active EE | $4,783 | $6,652-28.1% | $8,065-40.7% | $4,300+11.2% |
| Admin fee / account holder | $904 | $7,953-88.6% | $12,993-93.0% | $6,925-86.9% |