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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 | $52,263 | $102,385-49.0% | $147,080-64.5% | $80,935-35.4% |
| Participation rate | 73.3% | 75.9%-2.5pp | 82.2%-8.8pp | 67.7%+5.7pp |
| Annual return | 13.42% | 135.09%-121.7pp | 420.17%-406.7pp | 35.66%-22.2pp |
| Employer contribution / active EE | $4,752 | $3,717+27.9% | $4,933-3.7% | $2,757+72.4% |
| Participant deferral / active EE | $5,288 | $6,651-20.5% | $8,066-34.4% | $4,299+23.0% |
| Admin fee / account holder | $833 | $7,951-89.5% | $12,989-93.6% | $6,924-88.0% |