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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 | $59,114 | $102,422-42.3% | $147,117-59.8% | $80,959-27.0% |
| Participation rate | 84.4% | 75.9%+8.6pp | 82.2%+2.3pp | 67.7%+16.8pp |
| Annual return | 23.34% | 135.16%-111.8pp | 420.54%-397.2pp | 35.67%-12.3pp |
| Employer contribution / active EE | $3,677 | $3,717-1.1% | $4,932-25.4% | $2,757+33.4% |
| Participant deferral / active EE | $11,297 | $6,652+69.8% | $8,065+40.1% | $4,300+162.7% |
| Admin fee / account holder | $3,562 | $7,953-55.2% | $12,993-72.6% | $6,925-48.6% |