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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 | $45,374 | $102,422-55.7% | $147,117-69.2% | $80,959-44.0% |
| Participation rate | 93.8% | 75.9%+18.0pp | 82.2%+11.6pp | 67.7%+26.2pp |
| Annual return | 17.10% | 135.16%-118.1pp | 420.54%-403.4pp | 35.67%-18.6pp |
| Employer contribution / active EE | $3,502 | $3,717-5.8% | $4,932-29.0% | $2,757+27.0% |
| Participant deferral / active EE | $7,532 | $6,652+13.2% | $8,065-6.6% | $4,300+75.1% |
| Admin fee / account holder | $1,632 | $7,953-79.5% | $12,993-87.4% | $6,925-76.4% |