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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 | $63,861 | $102,429-37.7% | $147,096-56.6% | $80,925-21.1% |
| Participation rate | 76.7% | 75.9%+0.8pp | 82.2%-5.5pp | 67.7%+9.0pp |
| Annual return | 18.38% | 135.02%-116.6pp | 419.75%-401.4pp | 35.65%-17.3pp |
| Employer contribution / active EE | $2,206 | $3,716-40.6% | $4,936-55.3% | $2,756-20.0% |
| Participant deferral / active EE | $3,707 | $6,649-44.2% | $8,071-54.1% | $4,299-13.8% |
| Admin fee / account holder | $1,096 | $7,957-86.2% | $13,005-91.6% | $6,940-84.2% |