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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 | $76,056 | $102,422-25.7% | $147,117-48.3% | $80,959-6.1% |
| Participation rate | 96.5% | 75.9%+20.6pp | 82.2%+14.3pp | 67.7%+28.8pp |
| Annual return | 14.25% | 135.16%-120.9pp | 420.54%-406.3pp | 35.67%-21.4pp |
| Employer contribution / active EE | $2,983 | $3,717-19.8% | $4,932-39.5% | $2,757+8.2% |
| Participant deferral / active EE | $10,060 | $6,652+51.2% | $8,065+24.7% | $4,300+133.9% |
| Admin fee / account holder | $2,362 | $7,953-70.3% | $12,993-81.8% | $6,925-65.9% |