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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 | $32,453 | $102,429-68.3% | $147,096-77.9% | $80,925-59.9% |
| Participation rate | 92.0% | 75.9%+16.1pp | 82.2%+9.8pp | 67.7%+24.3pp |
| Annual return | 12.25% | 135.02%-122.8pp | 419.75%-407.5pp | 35.65%-23.4pp |
| Employer contribution / active EE | $3,296 | $3,716-11.3% | $4,936-33.2% | $2,756+19.6% |
| Participant deferral / active EE | $8,160 | $6,649+22.7% | $8,071+1.1% | $4,299+89.8% |
| Admin fee / account holder | $3,469 | $7,957-56.4% | $13,005-73.3% | $6,940-50.0% |