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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 | $50,965 | $102,422-50.2% | $147,117-65.4% | $80,959-37.0% |
| Participation rate | 77.5% | 75.9%+1.6pp | 82.2%-4.7pp | 67.7%+9.8pp |
| Annual return | 12.99% | 135.16%-122.2pp | 420.54%-407.5pp | 35.67%-22.7pp |
| Employer contribution / active EE | $4,697 | $3,717+26.4% | $4,932-4.8% | $2,757+70.4% |
| Participant deferral / active EE | $10,097 | $6,652+51.8% | $8,065+25.2% | $4,300+134.8% |
| Admin fee / account holder | $5,626 | $7,953-29.3% | $12,993-56.7% | $6,925-18.8% |