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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 | $36,352 | $102,385-64.5% | $147,080-75.3% | $80,935-55.1% |
| Participation rate | 97.8% | 75.9%+21.9pp | 82.2%+15.6pp | 67.7%+30.1pp |
| Annual return | 17.94% | 135.09%-117.2pp | 420.17%-402.2pp | 35.66%-17.7pp |
| Employer contribution / active EE | $3,853 | $3,717+3.7% | $4,933-21.9% | $2,757+39.8% |
| Participant deferral / active EE | $10,721 | $6,651+61.2% | $8,066+32.9% | $4,299+149.4% |
| Admin fee / account holder | $323 | $7,951-95.9% | $12,989-97.5% | $6,924-95.3% |