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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 | $61,165 | $102,429-40.3% | $147,096-58.4% | $80,925-24.4% |
| Participation rate | 84.3% | 75.9%+8.5pp | 82.2%+2.1pp | 67.7%+16.7pp |
| Annual return | 13.66% | 135.02%-121.4pp | 419.75%-406.1pp | 35.65%-22.0pp |
| Employer contribution / active EE | $3,097 | $3,716-16.7% | $4,936-37.3% | $2,756+12.4% |
| Participant deferral / active EE | $7,642 | $6,649+14.9% | $8,071-5.3% | $4,299+77.8% |
| Admin fee / account holder | $5,288 | $7,957-33.5% | $13,005-59.3% | $6,940-23.8% |