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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 | $55,098 | $102,429-46.2% | $147,096-62.5% | $80,925-31.9% |
| Participation rate | 84.4% | 75.9%+8.5pp | 82.2%+2.2pp | 67.7%+16.7pp |
| Annual return | 17.94% | 135.02%-117.1pp | 419.75%-401.8pp | 35.65%-17.7pp |
| Employer contribution / active EE | $3,600 | $3,716-3.1% | $4,936-27.1% | $2,756+30.6% |
| Participant deferral / active EE | $8,040 | $6,649+20.9% | $8,071-0.4% | $4,299+87.0% |
| Admin fee / account holder | $1,617 | $7,957-79.7% | $13,005-87.6% | $6,940-76.7% |