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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 | $36,216 | $102,429-64.6% | $147,096-75.4% | $80,925-55.2% |
| Participation rate | 88.9% | 75.9%+13.0pp | 82.2%+6.7pp | 67.7%+21.2pp |
| Annual return | 13.21% | 135.02%-121.8pp | 419.75%-406.5pp | 35.65%-22.4pp |
| Employer contribution / active EE | $2,222 | $3,716-40.2% | $4,936-55.0% | $2,756-19.4% |
| Participant deferral / active EE | $6,194 | $6,649-6.8% | $8,071-23.3% | $4,299+44.1% |
| Admin fee / account holder | $1,578 | $7,957-80.2% | $13,005-87.9% | $6,940-77.3% |