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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 | $25,943 | $102,429-74.7% | $147,096-82.4% | $80,925-67.9% |
| Participation rate | 91.7% | 75.9%+15.8pp | 82.2%+9.5pp | 67.7%+24.0pp |
| Annual return | 20.94% | 135.02%-114.1pp | 419.75%-398.8pp | 35.65%-14.7pp |
| Employer contribution / active EE | $3,574 | $3,716-3.8% | $4,936-27.6% | $2,756+29.7% |
| Participant deferral / active EE | $5,659 | $6,649-14.9% | $8,071-29.9% | $4,299+31.6% |
| Admin fee / account holder | $4,788 | $7,957-39.8% | $13,005-63.2% | $6,940-31.0% |