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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 | $59,406 | $102,429-42.0% | $147,096-59.6% | $80,925-26.6% |
| Participation rate | 70.4% | 75.9%-5.5pp | 82.2%-11.8pp | 67.7%+2.7pp |
| Annual return | 13.97% | 135.02%-121.1pp | 419.75%-405.8pp | 35.65%-21.7pp |
| Employer contribution / active EE | $1,624 | $3,716-56.3% | $4,936-67.1% | $2,756-41.1% |
| Participant deferral / active EE | $9,679 | $6,649+45.6% | $8,071+19.9% | $4,299+125.2% |
| Admin fee / account holder | $7,090 | $7,957-10.9% | $13,005-45.5% | $6,940+2.2% |