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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 | $38,162 | $102,422-62.7% | $147,117-74.1% | $80,959-52.9% |
| Participation rate | 84.6% | 75.9%+8.7pp | 82.2%+2.4pp | 67.7%+16.9pp |
| Annual return | 13.69% | 135.16%-121.5pp | 420.54%-406.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,804 | $3,717-51.5% | $4,932-63.4% | $2,757-34.6% |
| Participant deferral / active EE | $3,874 | $6,652-41.8% | $8,065-52.0% | $4,300-9.9% |
| Admin fee / account holder | $2,627 | $7,953-67.0% | $12,993-79.8% | $6,925-62.1% |