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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 | $26,689 | $102,422-73.9% | $147,117-81.9% | $80,959-67.0% |
| Participation rate | 88.2% | 75.9%+12.3pp | 82.2%+6.0pp | 67.7%+20.5pp |
| Annual return | 16.27% | 135.16%-118.9pp | 420.54%-404.3pp | 35.67%-19.4pp |
| Employer contribution / active EE | $4,015 | $3,717+8.0% | $4,932-18.6% | $2,757+45.6% |
| Participant deferral / active EE | $6,499 | $6,652-2.3% | $8,065-19.4% | $4,300+51.1% |
| Admin fee / account holder | $3,633 | $7,953-54.3% | $12,993-72.0% | $6,925-47.5% |