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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 | $31,541 | $102,385-69.2% | $147,080-78.6% | $80,935-61.0% |
| Participation rate | 76.3% | 75.9%+0.4pp | 82.2%-5.9pp | 67.7%+8.6pp |
| Annual return | 22.08% | 135.09%-113.0pp | 420.17%-398.1pp | 35.66%-13.6pp |
| Employer contribution / active EE | $2,810 | $3,717-24.4% | $4,933-43.0% | $2,757+1.9% |
| Participant deferral / active EE | $4,913 | $6,651-26.1% | $8,066-39.1% | $4,299+14.3% |
| Admin fee / account holder | $1,041 | $7,951-86.9% | $12,989-92.0% | $6,924-85.0% |