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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 | $47,908 | $102,385-53.2% | $147,080-67.4% | $80,935-40.8% |
| Participation rate | 86.7% | 75.9%+10.8pp | 82.2%+4.5pp | 67.7%+19.0pp |
| Annual return | 12.48% | 135.09%-122.6pp | 420.17%-407.7pp | 35.66%-23.2pp |
| Employer contribution / active EE | $1,309 | $3,717-64.8% | $4,933-73.5% | $2,757-52.5% |
| Participant deferral / active EE | $5,521 | $6,651-17.0% | $8,066-31.6% | $4,299+28.4% |
| Admin fee / account holder | $3,268 | $7,951-58.9% | $12,989-74.8% | $6,924-52.8% |