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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 | $78,848 | $102,429-23.0% | $147,096-46.4% | $80,925-2.6% |
| Participation rate | 94.3% | 75.9%+18.4pp | 82.2%+12.1pp | 67.7%+26.6pp |
| Annual return | 17.59% | 135.02%-117.4pp | 419.75%-402.2pp | 35.65%-18.1pp |
| Employer contribution / active EE | $1,697 | $3,716-54.3% | $4,936-65.6% | $2,756-38.4% |
| Participant deferral / active EE | $6,965 | $6,649+4.8% | $8,071-13.7% | $4,299+62.0% |
| Admin fee / account holder | $863 | $7,957-89.1% | $13,005-93.4% | $6,940-87.6% |