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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 | $43,544 | $102,422-57.5% | $147,117-70.4% | $80,959-46.2% |
| Participation rate | 77.4% | 75.9%+1.5pp | 82.2%-4.8pp | 67.7%+9.8pp |
| Annual return | 13.11% | 135.16%-122.0pp | 420.54%-407.4pp | 35.67%-22.6pp |
| Employer contribution / active EE | $3,247 | $3,717-12.7% | $4,932-34.2% | $2,757+17.8% |
| Participant deferral / active EE | $6,102 | $6,652-8.3% | $8,065-24.3% | $4,300+41.9% |
| Admin fee / account holder | $6,857 | $7,953-13.8% | $12,993-47.2% | $6,925-1.0% |