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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 | $41,201 | $102,385-59.8% | $147,080-72.0% | $80,935-49.1% |
| Participation rate | 95.8% | 75.9%+20.0pp | 82.2%+13.7pp | 67.7%+28.2pp |
| Annual return | 12.34% | 135.09%-122.8pp | 420.17%-407.8pp | 35.66%-23.3pp |
| Employer contribution / active EE | $1,745 | $3,717-53.0% | $4,933-64.6% | $2,757-36.7% |
| Participant deferral / active EE | $4,013 | $6,651-39.7% | $8,066-50.2% | $4,299-6.7% |
| Admin fee / account holder | $890 | $7,951-88.8% | $12,989-93.1% | $6,924-87.1% |