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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 | $102,385-68.3% | $147,080-77.9% | $80,935-59.9% |
| Participation rate | 92.0% | 75.9%+16.1pp | 82.2%+9.8pp | 67.7%+24.3pp |
| Annual return | 12.25% | 135.09%-122.8pp | 420.17%-407.9pp | 35.66%-23.4pp |
| Employer contribution / active EE | $3,296 | $3,717-11.3% | $4,933-33.2% | $2,757+19.6% |
| Participant deferral / active EE | $8,160 | $6,651+22.7% | $8,066+1.2% | $4,299+89.8% |
| Admin fee / account holder | $3,469 | $7,951-56.4% | $12,989-73.3% | $6,924-49.9% |