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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 | $29,141 | $102,422-71.5% | $147,117-80.2% | $80,959-64.0% |
| Participation rate | 88.7% | 75.9%+12.8pp | 82.2%+6.5pp | 67.7%+21.0pp |
| Annual return | 16.00% | 135.16%-119.2pp | 420.54%-404.5pp | 35.67%-19.7pp |
| Employer contribution / active EE | $3,364 | $3,717-9.5% | $4,932-31.8% | $2,757+22.0% |
| Participant deferral / active EE | $6,243 | $6,652-6.2% | $8,065-22.6% | $4,300+45.2% |
| Admin fee / account holder | $1,870 | $7,953-76.5% | $12,993-85.6% | $6,925-73.0% |