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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 | $55,621 | $102,385-45.7% | $147,080-62.2% | $80,935-31.3% |
| Participation rate | 96.8% | 75.9%+20.9pp | 82.2%+14.6pp | 67.7%+29.1pp |
| Annual return | 17.63% | 135.09%-117.5pp | 420.17%-402.5pp | 35.66%-18.0pp |
| Employer contribution / active EE | $5,148 | $3,717+38.5% | $4,933+4.3% | $2,757+86.7% |
| Participant deferral / active EE | $10,286 | $6,651+54.7% | $8,066+27.5% | $4,299+139.2% |
| Admin fee / account holder | $4,605 | $7,951-42.1% | $12,989-64.5% | $6,924-33.5% |