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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 | $102,385-41.7% | $147,080-59.4% | $80,935-26.3% |
| Participation rate | 89.6% | 75.9%+13.7pp | 82.2%+7.4pp | 67.7%+21.9pp |
| Annual return | 16.44% | 135.09%-118.7pp | 420.17%-403.7pp | 35.66%-19.2pp |
| Employer contribution / active EE | $1,535 | $3,717-58.7% | $4,933-68.9% | $2,757-44.3% |
| Participant deferral / active EE | $6,839 | $6,651+2.8% | $8,066-15.2% | $4,299+59.1% |
| Admin fee / account holder | $7,494 | $7,951-5.7% | $12,989-42.3% | $6,924+8.2% |