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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 | $50,406 | $102,429-50.8% | $147,096-65.7% | $80,925-37.7% |
| Participation rate | 75.8% | 75.9%-0.1pp | 82.2%-6.4pp | 67.7%+8.1pp |
| Annual return | 14.20% | 135.02%-120.8pp | 419.75%-405.5pp | 35.65%-21.4pp |
| Employer contribution / active EE | $1,515 | $3,716-59.2% | $4,936-69.3% | $2,756-45.0% |
| Participant deferral / active EE | $6,363 | $6,649-4.3% | $8,071-21.2% | $4,299+48.0% |
| Admin fee / account holder | $1,354 | $7,957-83.0% | $13,005-89.6% | $6,940-80.5% |