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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 | $50,082 | $102,429-51.1% | $147,096-66.0% | $80,925-38.1% |
| Participation rate | 86.1% | 75.9%+10.2pp | 82.2%+3.9pp | 67.7%+18.5pp |
| Annual return | 12.98% | 135.02%-122.0pp | 419.75%-406.8pp | 35.65%-22.7pp |
| Employer contribution / active EE | $3,526 | $3,716-5.1% | $4,936-28.6% | $2,756+27.9% |
| Participant deferral / active EE | $9,032 | $6,649+35.9% | $8,071+11.9% | $4,299+110.1% |
| Admin fee / account holder | $10,094 | $7,957+26.9% | $13,005-22.4% | $6,940+45.4% |