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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 | $44,994 | $102,429-56.1% | $147,096-69.4% | $80,925-44.4% |
| Participation rate | 93.7% | 75.9%+17.8pp | 82.2%+11.5pp | 67.7%+26.0pp |
| Annual return | 16.07% | 135.02%-119.0pp | 419.75%-403.7pp | 35.65%-19.6pp |
| Employer contribution / active EE | $3,652 | $3,716-1.7% | $4,936-26.0% | $2,756+32.5% |
| Participant deferral / active EE | $7,635 | $6,649+14.8% | $8,071-5.4% | $4,299+77.6% |
| Admin fee / account holder | $5,519 | $7,957-30.6% | $13,005-57.6% | $6,940-20.5% |