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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 | $54,666 | $102,422-46.6% | $147,117-62.8% | $80,959-32.5% |
| Participation rate | 77.8% | 75.9%+1.9pp | 82.2%-4.4pp | 67.7%+10.1pp |
| Annual return | 12.93% | 135.16%-122.2pp | 420.54%-407.6pp | 35.67%-22.7pp |
| Employer contribution / active EE | $2,631 | $3,717-29.2% | $4,932-46.7% | $2,757-4.6% |
| Participant deferral / active EE | $5,812 | $6,652-12.6% | $8,065-27.9% | $4,300+35.1% |
| Admin fee / account holder | $618 | $7,953-92.2% | $12,993-95.2% | $6,925-91.1% |