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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 | $65,066 | $102,429-36.5% | $147,096-55.8% | $80,925-19.6% |
| Participation rate | 79.5% | 75.9%+3.7pp | 82.2%-2.6pp | 67.7%+11.9pp |
| Annual return | 11.94% | 135.02%-123.1pp | 419.75%-407.8pp | 35.65%-23.7pp |
| Employer contribution / active EE | $2,052 | $3,716-44.8% | $4,936-58.4% | $2,756-25.6% |
| Participant deferral / active EE | $5,649 | $6,649-15.0% | $8,071-30.0% | $4,299+31.4% |
| Admin fee / account holder | $10,568 | $7,957+32.8% | $13,005-18.7% | $6,940+52.3% |