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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 | $29,466 | $102,422-71.2% | $147,117-80.0% | $80,959-63.6% |
| Participation rate | 75.7% | 75.9%-0.2pp | 82.2%-6.5pp | 67.7%+8.0pp |
| Annual return | 18.82% | 135.16%-116.3pp | 420.54%-401.7pp | 35.67%-16.8pp |
| Employer contribution / active EE | $3,258 | $3,717-12.4% | $4,932-33.9% | $2,757+18.2% |
| Participant deferral / active EE | $5,691 | $6,652-14.4% | $8,065-29.4% | $4,300+32.3% |
| Admin fee / account holder | $1,278 | $7,953-83.9% | $12,993-90.2% | $6,925-81.5% |