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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 | $34,109 | $102,429-66.7% | $147,096-76.8% | $80,925-57.9% |
| Participation rate | 82.5% | 75.9%+6.6pp | 82.2%+0.3pp | 67.7%+14.8pp |
| Annual return | 13.72% | 135.02%-121.3pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $3,151 | $3,716-15.2% | $4,936-36.2% | $2,756+14.3% |
| Participant deferral / active EE | $6,977 | $6,649+4.9% | $8,071-13.6% | $4,299+62.3% |
| Admin fee / account holder | $810 | $7,957-89.8% | $13,005-93.8% | $6,940-88.3% |