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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 | $35,585 | $102,422-65.3% | $147,117-75.8% | $80,959-56.0% |
| Participation rate | 80.6% | 75.9%+4.8pp | 82.2%-1.5pp | 67.7%+13.0pp |
| Annual return | 14.37% | 135.16%-120.8pp | 420.54%-406.2pp | 35.67%-21.3pp |
| Employer contribution / active EE | $1,545 | $3,717-58.4% | $4,932-68.7% | $2,757-44.0% |
| Participant deferral / active EE | $2,867 | $6,652-56.9% | $8,065-64.4% | $4,300-33.3% |
| Admin fee / account holder | $14,571 | $7,953+83.2% | $12,993+12.1% | $6,925+110.4% |