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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 | $51,543 | $99,079-48.0% | $78,002-33.9% | $273,972-81.2% |
| Participation rate | 87.5% | 78.6%+8.9pp | 75.5%+12.0pp | 83.0%+4.5pp |
| Annual return | 11.22% | 217.93%-206.7pp | 425.99%-414.8pp | 41.46%-30.2pp |
| Employer contribution / active EE | $1,295 | $3,308-60.8% | $2,470-47.6% | $4,869-73.4% |
| Participant deferral / active EE | $2,946 | $4,306-31.6% | $3,497-15.8% | $5,287-44.3% |
| Admin fee / account holder | $3,894 | $8,954-56.5% | $5,481-28.9% | $10,133-61.6% |