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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 | $38,707 | $102,382-62.2% | $147,005-73.7% | $80,874-52.1% |
| Participation rate | 76.8% | 75.8%+1.0pp | 82.2%-5.3pp | 67.6%+9.2pp |
| Annual return | 14.21% | 134.89%-120.7pp | 418.76%-404.6pp | 35.62%-21.4pp |
| Employer contribution / active EE | $2,085 | $3,715-43.9% | $4,934-57.8% | $2,756-24.4% |
| Participant deferral / active EE | $3,113 | $6,646-53.2% | $8,070-61.4% | $4,297-27.6% |
| Admin fee / account holder | $2,313 | $7,942-70.9% | $13,006-82.2% | $6,935-66.6% |