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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 | $52,253 | $102,429-49.0% | $147,096-64.5% | $80,925-35.4% |
| Participation rate | 95.1% | 75.9%+19.3pp | 82.2%+12.9pp | 67.7%+27.5pp |
| Annual return | 12.74% | 135.02%-122.3pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $2,004 | $3,716-46.1% | $4,936-59.4% | $2,756-27.3% |
| Participant deferral / active EE | $5,751 | $6,649-13.5% | $8,071-28.7% | $4,299+33.8% |
| Admin fee / account holder | $2,596 | $7,957-67.4% | $13,005-80.0% | $6,940-62.6% |