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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 | $53,992 | $102,429-47.3% | $147,096-63.3% | $80,925-33.3% |
| Participation rate | 84.1% | 75.9%+8.3pp | 82.2%+1.9pp | 67.7%+16.5pp |
| Annual return | 14.80% | 135.02%-120.2pp | 419.75%-404.9pp | 35.65%-20.8pp |
| Employer contribution / active EE | $3,281 | $3,716-11.7% | $4,936-33.5% | $2,756+19.0% |
| Participant deferral / active EE | $9,279 | $6,649+39.6% | $8,071+15.0% | $4,299+115.9% |
| Admin fee / account holder | $1,981 | $7,957-75.1% | $13,005-84.8% | $6,940-71.5% |