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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 | $28,874 | $102,385-71.8% | $147,080-80.4% | $80,935-64.3% |
| Participation rate | 96.4% | 75.9%+20.6pp | 82.2%+14.2pp | 67.7%+28.8pp |
| Annual return | 16.11% | 135.09%-119.0pp | 420.17%-404.1pp | 35.66%-19.5pp |
| Employer contribution / active EE | $5,280 | $3,717+42.1% | $4,933+7.0% | $2,757+91.5% |
| Participant deferral / active EE | $9,674 | $6,651+45.5% | $8,066+19.9% | $4,299+125.0% |
| Admin fee / account holder | $1,045 | $7,951-86.9% | $12,989-92.0% | $6,924-84.9% |