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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 | $38,030 | $102,429-62.9% | $147,096-74.1% | $80,925-53.0% |
| Participation rate | 89.6% | 75.9%+13.7pp | 82.2%+7.4pp | 67.7%+21.9pp |
| Annual return | 17.30% | 135.02%-117.7pp | 419.75%-402.5pp | 35.65%-18.4pp |
| Employer contribution / active EE | $3,441 | $3,716-7.4% | $4,936-30.3% | $2,756+24.8% |
| Participant deferral / active EE | $6,269 | $6,649-5.7% | $8,071-22.3% | $4,299+45.8% |
| Admin fee / account holder | $6,608 | $7,957-16.9% | $13,005-49.2% | $6,940-4.8% |