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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 | $64,589 | $102,429-36.9% | $147,096-56.1% | $80,925-20.2% |
| Participation rate | 96.8% | 75.9%+20.9pp | 82.2%+14.6pp | 67.7%+29.1pp |
| Annual return | 18.37% | 135.02%-116.6pp | 419.75%-401.4pp | 35.65%-17.3pp |
| Employer contribution / active EE | $3,770 | $3,716+1.5% | $4,936-23.6% | $2,756+36.8% |
| Participant deferral / active EE | $6,029 | $6,649-9.3% | $8,071-25.3% | $4,299+40.3% |
| Admin fee / account holder | $2,403 | $7,957-69.8% | $13,005-81.5% | $6,940-65.4% |