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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 | $33,052 | $102,385-67.7% | $147,080-77.5% | $80,935-59.2% |
| Participation rate | 96.1% | 75.9%+20.2pp | 82.2%+13.9pp | 67.7%+28.4pp |
| Annual return | 14.85% | 135.09%-120.2pp | 420.17%-405.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $2,706 | $3,717-27.2% | $4,933-45.2% | $2,757-1.8% |
| Participant deferral / active EE | $5,635 | $6,651-15.3% | $8,066-30.1% | $4,299+31.1% |
| Admin fee / account holder | $637 | $7,951-92.0% | $12,989-95.1% | $6,924-90.8% |