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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 | $48,645 | $102,429-52.5% | $147,096-66.9% | $80,925-39.9% |
| Participation rate | 76.9% | 75.9%+1.1pp | 82.2%-5.3pp | 67.7%+9.3pp |
| Annual return | 13.45% | 135.02%-121.6pp | 419.75%-406.3pp | 35.65%-22.2pp |
| Employer contribution / active EE | $3,685 | $3,716-0.8% | $4,936-25.3% | $2,756+33.7% |
| Participant deferral / active EE | $10,077 | $6,649+51.6% | $8,071+24.9% | $4,299+134.4% |
| Admin fee / account holder | $6,445 | $7,957-19.0% | $13,005-50.4% | $6,940-7.1% |