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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 | $73,113 | $102,429-28.6% | $147,096-50.3% | $80,925-9.7% |
| Participation rate | 73.0% | 75.9%-2.9pp | 82.2%-9.2pp | 67.7%+5.3pp |
| Annual return | 13.48% | 135.02%-121.5pp | 419.75%-406.3pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,026 | $3,716-72.4% | $4,936-79.2% | $2,756-62.8% |
| Participant deferral / active EE | $9,514 | $6,649+43.1% | $8,071+17.9% | $4,299+121.3% |
| Admin fee / account holder | $10,615 | $7,957+33.4% | $13,005-18.4% | $6,940+52.9% |