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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 | $32,830 | $102,385-67.9% | $147,080-77.7% | $80,935-59.4% |
| Participation rate | 96.4% | 75.9%+20.6pp | 82.2%+14.2pp | 67.7%+28.8pp |
| Annual return | 17.41% | 135.09%-117.7pp | 420.17%-402.8pp | 35.66%-18.3pp |
| Employer contribution / active EE | $5,466 | $3,717+47.1% | $4,933+10.8% | $2,757+98.3% |
| Participant deferral / active EE | $12,887 | $6,651+93.8% | $8,066+59.8% | $4,299+199.7% |
| Admin fee / account holder | $4,492 | $7,951-43.5% | $12,989-65.4% | $6,924-35.1% |