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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 | $29,395 | $102,422-71.3% | $147,117-80.0% | $80,959-63.7% |
| Participation rate | 89.7% | 75.9%+13.8pp | 82.2%+7.5pp | 67.7%+22.0pp |
| Annual return | 17.89% | 135.16%-117.3pp | 420.54%-402.6pp | 35.67%-17.8pp |
| Employer contribution / active EE | $1,980 | $3,717-46.7% | $4,932-59.9% | $2,757-28.2% |
| Participant deferral / active EE | $5,691 | $6,652-14.5% | $8,065-29.4% | $4,300+32.3% |
| Admin fee / account holder | $3,990 | $7,953-49.8% | $12,993-69.3% | $6,925-42.4% |