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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 | $45,602 | $102,422-55.5% | $147,117-69.0% | $80,959-43.7% |
| Participation rate | 79.3% | 75.9%+3.4pp | 82.2%-2.9pp | 67.7%+11.6pp |
| Annual return | 14.24% | 135.16%-120.9pp | 420.54%-406.3pp | 35.67%-21.4pp |
| Employer contribution / active EE | $2,667 | $3,717-28.2% | $4,932-45.9% | $2,757-3.3% |
| Participant deferral / active EE | $5,234 | $6,652-21.3% | $8,065-35.1% | $4,300+21.7% |
| Admin fee / account holder | $2,430 | $7,953-69.5% | $12,993-81.3% | $6,925-64.9% |