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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 | $102,422-36.1% | $147,117-55.5% | $80,959-19.2% |
| Participation rate | 70.3% | 75.9%-5.6pp | 82.2%-11.9pp | 67.7%+2.6pp |
| Annual return | 21.77% | 135.16%-113.4pp | 420.54%-398.8pp | 35.67%-13.9pp |
| Employer contribution / active EE | $3,585 | $3,717-3.6% | $4,932-27.3% | $2,757+30.0% |
| Participant deferral / active EE | $7,294 | $6,652+9.7% | $8,065-9.5% | $4,300+69.6% |
| Admin fee / account holder | $2,312 | $7,953-70.9% | $12,993-82.2% | $6,925-66.6% |