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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 | $102,385-42.3% | $147,080-59.8% | $80,935-27.0% |
| Participation rate | 84.4% | 75.9%+8.6pp | 82.2%+2.3pp | 67.7%+16.8pp |
| Annual return | 23.34% | 135.09%-111.8pp | 420.17%-396.8pp | 35.66%-12.3pp |
| Employer contribution / active EE | $3,677 | $3,717-1.1% | $4,933-25.5% | $2,757+33.4% |
| Participant deferral / active EE | $11,297 | $6,651+69.9% | $8,066+40.1% | $4,299+162.8% |
| Admin fee / account holder | $3,562 | $7,951-55.2% | $12,989-72.6% | $6,924-48.6% |