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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 | $39,676 | $102,429-61.3% | $147,096-73.0% | $80,925-51.0% |
| Participation rate | 98.1% | 75.9%+22.2pp | 82.2%+15.9pp | 67.7%+30.4pp |
| Annual return | 13.92% | 135.02%-121.1pp | 419.75%-405.8pp | 35.65%-21.7pp |
| Employer contribution / active EE | $4,434 | $3,716+19.3% | $4,936-10.2% | $2,756+60.9% |
| Participant deferral / active EE | $5,989 | $6,649-9.9% | $8,071-25.8% | $4,299+39.3% |
| Admin fee / account holder | $1,076 | $7,957-86.5% | $13,005-91.7% | $6,940-84.5% |