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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 | $59,654 | $102,429-41.8% | $147,096-59.4% | $80,925-26.3% |
| Participation rate | 89.6% | 75.9%+13.7pp | 82.2%+7.4pp | 67.7%+21.9pp |
| Annual return | 16.44% | 135.02%-118.6pp | 419.75%-403.3pp | 35.65%-19.2pp |
| Employer contribution / active EE | $1,535 | $3,716-58.7% | $4,936-68.9% | $2,756-44.3% |
| Participant deferral / active EE | $6,839 | $6,649+2.9% | $8,071-15.3% | $4,299+59.1% |
| Admin fee / account holder | $7,494 | $7,957-5.8% | $13,005-42.4% | $6,940+8.0% |