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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 | $49,068 | $102,422-52.1% | $147,117-66.6% | $80,959-39.4% |
| Participation rate | 89.3% | 75.9%+13.4pp | 82.2%+7.1pp | 67.7%+21.6pp |
| Annual return | 20.58% | 135.16%-114.6pp | 420.54%-400.0pp | 35.67%-15.1pp |
| Employer contribution / active EE | $3,351 | $3,717-9.9% | $4,932-32.1% | $2,757+21.5% |
| Participant deferral / active EE | $9,076 | $6,652+36.4% | $8,065+12.5% | $4,300+111.1% |
| Admin fee / account holder | $2,931 | $7,953-63.1% | $12,993-77.4% | $6,925-57.7% |