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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 | $69,066 | $102,385-32.5% | $147,080-53.0% | $80,935-14.7% |
| Participation rate | 93.8% | 75.9%+17.9pp | 82.2%+11.6pp | 67.7%+26.1pp |
| Annual return | 13.17% | 135.09%-121.9pp | 420.17%-407.0pp | 35.66%-22.5pp |
| Employer contribution / active EE | $2,350 | $3,717-36.8% | $4,933-52.4% | $2,757-14.8% |
| Participant deferral / active EE | $8,080 | $6,651+21.5% | $8,066+0.2% | $4,299+87.9% |
| Admin fee / account holder | $1,441 | $7,951-81.9% | $12,989-88.9% | $6,924-79.2% |