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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 | $51,926 | $102,422-49.3% | $147,117-64.7% | $80,959-35.9% |
| Participation rate | 83.9% | 75.9%+8.0pp | 82.2%+1.7pp | 67.7%+16.2pp |
| Annual return | 17.78% | 135.16%-117.4pp | 420.54%-402.8pp | 35.67%-17.9pp |
| Employer contribution / active EE | $4,632 | $3,717+24.6% | $4,932-6.1% | $2,757+68.0% |
| Participant deferral / active EE | $8,565 | $6,652+28.8% | $8,065+6.2% | $4,300+99.2% |
| Admin fee / account holder | $3,403 | $7,953-57.2% | $12,993-73.8% | $6,925-50.9% |