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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 | $51,311 | $102,385-49.9% | $147,080-65.1% | $80,935-36.6% |
| Participation rate | 73.1% | 75.9%-2.8pp | 82.2%-9.1pp | 67.7%+5.4pp |
| Annual return | 19.85% | 135.09%-115.2pp | 420.17%-400.3pp | 35.66%-15.8pp |
| Employer contribution / active EE | $2,595 | $3,717-30.2% | $4,933-47.4% | $2,757-5.9% |
| Participant deferral / active EE | $5,148 | $6,651-22.6% | $8,066-36.2% | $4,299+19.7% |
| Admin fee / account holder | $2,196 | $7,951-72.4% | $12,989-83.1% | $6,924-68.3% |