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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 | $82,461 | $102,385-19.5% | $147,080-43.9% | $80,935+1.9% |
| Participation rate | 93.3% | 75.9%+17.5pp | 82.2%+11.2pp | 67.7%+25.7pp |
| Annual return | 14.78% | 135.09%-120.3pp | 420.17%-405.4pp | 35.66%-20.9pp |
| Employer contribution / active EE | $1,797 | $3,717-51.6% | $4,933-63.6% | $2,757-34.8% |
| Participant deferral / active EE | $4,175 | $6,651-37.2% | $8,066-48.2% | $4,299-2.9% |
| Admin fee / account holder | $1,965 | $7,951-75.3% | $12,989-84.9% | $6,924-71.6% |