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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 | $48,095 | $112,935-57.4% | $90,970-47.1% | $158,966-69.7% |
| Participation rate | 80.0% | 74.7%+5.3pp | 69.0%+11.0pp | 82.0%-2.0pp |
| Annual return | 12.38% | 215.79%-203.4pp | 134.58%-122.2pp | 302.95%-290.6pp |
| Employer contribution / active EE | $2,000 | $2,895-30.9% | $2,122-5.8% | $4,762-58.0% |
| Participant deferral / active EE | $1,760 | $4,129-57.4% | $3,373-47.8% | $5,983-70.6% |
| Admin fee / account holder | $13,050 | $8,045+62.2% | $5,960+119.0% | $11,250+16.0% |