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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 | $102,429-55.5% | $147,096-69.0% | $80,925-43.6% |
| Participation rate | 79.3% | 75.9%+3.4pp | 82.2%-2.9pp | 67.7%+11.7pp |
| Annual return | 14.24% | 135.02%-120.8pp | 419.75%-405.5pp | 35.65%-21.4pp |
| Employer contribution / active EE | $2,667 | $3,716-28.2% | $4,936-46.0% | $2,756-3.2% |
| Participant deferral / active EE | $5,234 | $6,649-21.3% | $8,071-35.1% | $4,299+21.8% |
| Admin fee / account holder | $2,430 | $7,957-69.5% | $13,005-81.3% | $6,940-65.0% |