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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 | $74,936 | $102,385-26.8% | $147,080-49.1% | $80,935-7.4% |
| Participation rate | 80.0% | 75.9%+4.1pp | 82.2%-2.2pp | 67.7%+12.3pp |
| Annual return | 13.13% | 135.09%-122.0pp | 420.17%-407.0pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1,255 | $3,717-66.2% | $4,933-74.6% | $2,757-54.5% |
| Participant deferral / active EE | $9,383 | $6,651+41.1% | $8,066+16.3% | $4,299+118.2% |
| Admin fee / account holder | $5,250 | $7,951-34.0% | $12,989-59.6% | $6,924-24.2% |