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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 | $52,194 | $102,385-49.0% | $147,080-64.5% | $80,935-35.5% |
| Participation rate | 80.4% | 75.9%+4.5pp | 82.2%-1.8pp | 67.7%+12.7pp |
| Annual return | 13.11% | 135.09%-122.0pp | 420.17%-407.1pp | 35.66%-22.6pp |
| Employer contribution / active EE | $3,227 | $3,717-13.2% | $4,933-34.6% | $2,757+17.1% |
| Participant deferral / active EE | $8,242 | $6,651+23.9% | $8,066+2.2% | $4,299+91.7% |
| Admin fee / account holder | $809 | $7,951-89.8% | $12,989-93.8% | $6,924-88.3% |