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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 | $45,288 | $102,429-55.8% | $147,096-69.2% | $80,925-44.0% |
| Participation rate | 80.0% | 75.9%+4.1pp | 82.2%-2.2pp | 67.7%+12.3pp |
| Annual return | 19.18% | 135.02%-115.8pp | 419.75%-400.6pp | 35.65%-16.5pp |
| Employer contribution / active EE | $3,766 | $3,716+1.4% | $4,936-23.7% | $2,756+36.7% |
| Participant deferral / active EE | $6,960 | $6,649+4.7% | $8,071-13.8% | $4,299+61.9% |
| Admin fee / account holder | $4,613 | $7,957-42.0% | $13,005-64.5% | $6,940-33.5% |