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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 | $102,429-25.7% | $147,096-48.3% | $80,925-6.0% |
| Participation rate | 96.5% | 75.9%+20.6pp | 82.2%+14.3pp | 67.7%+28.8pp |
| Annual return | 14.25% | 135.02%-120.8pp | 419.75%-405.5pp | 35.65%-21.4pp |
| Employer contribution / active EE | $2,983 | $3,716-19.7% | $4,936-39.6% | $2,756+8.2% |
| Participant deferral / active EE | $10,060 | $6,649+51.3% | $8,071+24.6% | $4,299+134.0% |
| Admin fee / account holder | $2,362 | $7,957-70.3% | $13,005-81.8% | $6,940-66.0% |