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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 | $55,337 | $102,429-46.0% | $147,096-62.4% | $80,925-31.6% |
| Participation rate | 79.5% | 75.9%+3.6pp | 82.2%-2.7pp | 67.7%+11.8pp |
| Annual return | 13.59% | 135.02%-121.4pp | 419.75%-406.2pp | 35.65%-22.1pp |
| Employer contribution / active EE | $4,619 | $3,716+24.3% | $4,936-6.4% | $2,756+67.6% |
| Participant deferral / active EE | $12,415 | $6,649+86.7% | $8,071+53.8% | $4,299+188.8% |
| Admin fee / account holder | $2,268 | $7,957-71.5% | $13,005-82.6% | $6,940-67.3% |