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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 | $102,422-55.8% | $147,117-69.2% | $80,959-44.1% |
| Participation rate | 80.0% | 75.9%+4.1pp | 82.2%-2.2pp | 67.7%+12.3pp |
| Annual return | 19.18% | 135.16%-116.0pp | 420.54%-401.4pp | 35.67%-16.5pp |
| Employer contribution / active EE | $3,766 | $3,717+1.3% | $4,932-23.6% | $2,757+36.6% |
| Participant deferral / active EE | $6,960 | $6,652+4.6% | $8,065-13.7% | $4,300+61.8% |
| Admin fee / account holder | $4,613 | $7,953-42.0% | $12,993-64.5% | $6,925-33.4% |