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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 | $42,626 | $102,422-58.4% | $147,117-71.0% | $80,959-47.3% |
| Participation rate | 72.5% | 75.9%-3.4pp | 82.2%-9.7pp | 67.7%+4.8pp |
| Annual return | 21.26% | 135.16%-113.9pp | 420.54%-399.3pp | 35.67%-14.4pp |
| Employer contribution / active EE | $1,552 | $3,717-58.3% | $4,932-68.5% | $2,757-43.7% |
| Participant deferral / active EE | $7,564 | $6,652+13.7% | $8,065-6.2% | $4,300+75.9% |
| Admin fee / account holder | $2,134 | $7,953-73.2% | $12,993-83.6% | $6,925-69.2% |