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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 | $34,370 | $102,429-66.4% | $147,096-76.6% | $80,925-57.5% |
| Participation rate | 70.0% | 75.9%-5.9pp | 82.2%-12.2pp | 67.7%+2.3pp |
| Annual return | 12.97% | 135.02%-122.1pp | 419.75%-406.8pp | 35.65%-22.7pp |
| Employer contribution / active EE | $1,786 | $3,716-51.9% | $4,936-63.8% | $2,756-35.2% |
| Participant deferral / active EE | $4,323 | $6,649-35.0% | $8,071-46.4% | $4,299+0.6% |
| Admin fee / account holder | $1,158 | $7,957-85.4% | $13,005-91.1% | $6,940-83.3% |