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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 | $78,386 | $102,429-23.5% | $147,096-46.7% | $80,925-3.1% |
| Participation rate | 76.5% | 75.9%+0.6pp | 82.2%-5.7pp | 67.7%+8.8pp |
| Annual return | 15.16% | 135.02%-119.9pp | 419.75%-404.6pp | 35.65%-20.5pp |
| Employer contribution / active EE | $4,989 | $3,716+34.3% | $4,936+1.1% | $2,756+81.0% |
| Participant deferral / active EE | $7,315 | $6,649+10.0% | $8,071-9.4% | $4,299+70.2% |
| Admin fee / account holder | $613 | $7,957-92.3% | $13,005-95.3% | $6,940-91.2% |