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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 | $25,664 | $102,385-74.9% | $147,080-82.6% | $80,935-68.3% |
| Participation rate | 82.4% | 75.9%+6.5pp | 82.2%+0.2pp | 67.7%+14.7pp |
| Annual return | 13.01% | 135.09%-122.1pp | 420.17%-407.2pp | 35.66%-22.6pp |
| Employer contribution / active EE | $1,505 | $3,717-59.5% | $4,933-69.5% | $2,757-45.4% |
| Participant deferral / active EE | $5,601 | $6,651-15.8% | $8,066-30.6% | $4,299+30.3% |
| Admin fee / account holder | $455 | $7,951-94.3% | $12,989-96.5% | $6,924-93.4% |