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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 | $65,435 | $102,429-36.1% | $147,096-55.5% | $80,925-19.1% |
| Participation rate | 70.3% | 75.9%-5.6pp | 82.2%-11.9pp | 67.7%+2.6pp |
| Annual return | 21.77% | 135.02%-113.2pp | 419.75%-398.0pp | 35.65%-13.9pp |
| Employer contribution / active EE | $3,585 | $3,716-3.5% | $4,936-27.4% | $2,756+30.1% |
| Participant deferral / active EE | $7,294 | $6,649+9.7% | $8,071-9.6% | $4,299+69.7% |
| Admin fee / account holder | $2,312 | $7,957-70.9% | $13,005-82.2% | $6,940-66.7% |