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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 | $44,572 | $102,422-56.5% | $147,117-69.7% | $80,959-44.9% |
| Participation rate | 88.9% | 75.9%+13.0pp | 82.2%+6.7pp | 67.7%+21.2pp |
| Annual return | 14.86% | 135.16%-120.3pp | 420.54%-405.7pp | 35.67%-20.8pp |
| Employer contribution / active EE | $3,776 | $3,717+1.6% | $4,932-23.4% | $2,757+37.0% |
| Participant deferral / active EE | $8,280 | $6,652+24.5% | $8,065+2.7% | $4,300+92.5% |
| Admin fee / account holder | $4,274 | $7,953-46.3% | $12,993-67.1% | $6,925-38.3% |