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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 | $59,583 | $102,422-41.8% | $147,117-59.5% | $80,959-26.4% |
| Participation rate | 79.1% | 75.9%+3.2pp | 82.2%-3.1pp | 67.7%+11.4pp |
| Annual return | 14.52% | 135.16%-120.6pp | 420.54%-406.0pp | 35.67%-21.2pp |
| Employer contribution / active EE | $2,914 | $3,717-21.6% | $4,932-40.9% | $2,757+5.7% |
| Participant deferral / active EE | $5,073 | $6,652-23.7% | $8,065-37.1% | $4,300+18.0% |
| Admin fee / account holder | $1,719 | $7,953-78.4% | $12,993-86.8% | $6,925-75.2% |