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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 | $102,429-24.4% | $147,096-47.3% | $80,925-4.3% |
| Participation rate | 98.6% | 75.9%+22.7pp | 82.2%+16.4pp | 67.7%+30.9pp |
| Annual return | 13.66% | 135.02%-121.4pp | 419.75%-406.1pp | 35.65%-22.0pp |
| Employer contribution / active EE | $3,377 | $3,716-9.1% | $4,936-31.6% | $2,756+22.5% |
| Participant deferral / active EE | $9,083 | $6,649+36.6% | $8,071+12.5% | $4,299+111.3% |
| Admin fee / account holder | $2,143 | $7,957-73.1% | $13,005-83.5% | $6,940-69.1% |