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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 | $40,334 | $102,422-60.6% | $147,117-72.6% | $80,959-50.2% |
| Participation rate | 97.7% | 75.9%+21.8pp | 82.2%+15.5pp | 67.7%+30.0pp |
| Annual return | 23.52% | 135.16%-111.6pp | 420.54%-397.0pp | 35.67%-12.1pp |
| Employer contribution / active EE | $3,546 | $3,717-4.6% | $4,932-28.1% | $2,757+28.6% |
| Participant deferral / active EE | $5,689 | $6,652-14.5% | $8,065-29.5% | $4,300+32.3% |
| Admin fee / account holder | $469 | $7,953-94.1% | $12,993-96.4% | $6,925-93.2% |