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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 | $53,425 | $102,422-47.8% | $147,117-63.7% | $80,959-34.0% |
| Participation rate | 70.5% | 75.9%-5.4pp | 82.2%-11.7pp | 67.7%+2.8pp |
| Annual return | 16.22% | 135.16%-118.9pp | 420.54%-404.3pp | 35.67%-19.4pp |
| Employer contribution / active EE | $2,614 | $3,717-29.7% | $4,932-47.0% | $2,757-5.2% |
| Participant deferral / active EE | $7,706 | $6,652+15.8% | $8,065-4.4% | $4,300+79.2% |
| Admin fee / account holder | $15,531 | $7,953+95.3% | $12,993+19.5% | $6,925+124.3% |