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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 | $45,816 | $102,429-55.3% | $147,096-68.9% | $80,925-43.4% |
| Participation rate | 89.2% | 75.9%+13.3pp | 82.2%+7.0pp | 67.7%+21.5pp |
| Annual return | 13.76% | 135.02%-121.3pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $1,253 | $3,716-66.3% | $4,936-74.6% | $2,756-54.5% |
| Participant deferral / active EE | $3,263 | $6,649-50.9% | $8,071-59.6% | $4,299-24.1% |
| Admin fee / account holder | $3,360 | $7,957-57.8% | $13,005-74.2% | $6,940-51.6% |