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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 | $20,636 | $63,346-67.4% | $92,239-77.6% | $70,124-70.6% |
| Participation rate | 89.3% | 68.7%+20.6pp | 76.5%+12.8pp | 69.5%+19.7pp |
| Annual return | 13.78% | 530.19%-516.4pp | 176.29%-162.5pp | 73.14%-59.4pp |
| Employer contribution / active EE | $2,090 | $2,471-15.4% | $3,680-43.2% | $2,342-10.8% |
| Participant deferral / active EE | $5,130 | $2,854+79.7% | $3,897+31.6% | $3,332+54.0% |
| Admin fee / account holder | $1,177 | $3,841-69.3% | $5,194-77.3% | $4,645-74.7% |