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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 | $27,232 | $102,429-73.4% | $147,096-81.5% | $80,925-66.3% |
| Participation rate | 97.4% | 75.9%+21.5pp | 82.2%+15.2pp | 67.7%+29.7pp |
| Annual return | 13.96% | 135.02%-121.1pp | 419.75%-405.8pp | 35.65%-21.7pp |
| Employer contribution / active EE | $4,680 | $3,716+26.0% | $4,936-5.2% | $2,756+69.8% |
| Participant deferral / active EE | $9,859 | $6,649+48.3% | $8,071+22.2% | $4,299+129.4% |
| Admin fee / account holder | $7,426 | $7,957-6.7% | $13,005-42.9% | $6,940+7.0% |