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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 | $58,506 | $102,429-42.9% | $147,096-60.2% | $80,925-27.7% |
| Participation rate | 78.6% | 75.9%+2.7pp | 82.2%-3.6pp | 67.7%+10.9pp |
| Annual return | 17.87% | 135.02%-117.2pp | 419.75%-401.9pp | 35.65%-17.8pp |
| Employer contribution / active EE | $2,918 | $3,716-21.5% | $4,936-40.9% | $2,756+5.9% |
| Participant deferral / active EE | $5,585 | $6,649-16.0% | $8,071-30.8% | $4,299+29.9% |
| Admin fee / account holder | $2,013 | $7,957-74.7% | $13,005-84.5% | $6,940-71.0% |