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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 | $77,446 | $102,422-24.4% | $147,117-47.4% | $80,959-4.3% |
| Participation rate | 98.6% | 75.9%+22.7pp | 82.2%+16.4pp | 67.7%+30.9pp |
| Annual return | 13.66% | 135.16%-121.5pp | 420.54%-406.9pp | 35.67%-22.0pp |
| Employer contribution / active EE | $3,377 | $3,717-9.2% | $4,932-31.5% | $2,757+22.5% |
| Participant deferral / active EE | $9,083 | $6,652+36.5% | $8,065+12.6% | $4,300+111.2% |
| Admin fee / account holder | $2,143 | $7,953-73.1% | $12,993-83.5% | $6,925-69.1% |