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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 | $46,238 | $102,429-54.9% | $147,096-68.6% | $80,925-42.9% |
| Participation rate | 98.2% | 75.9%+22.4pp | 82.2%+16.0pp | 67.7%+30.6pp |
| Annual return | 19.28% | 135.02%-115.7pp | 419.75%-400.5pp | 35.65%-16.4pp |
| Employer contribution / active EE | $3,298 | $3,716-11.3% | $4,936-33.2% | $2,756+19.6% |
| Participant deferral / active EE | $6,297 | $6,649-5.3% | $8,071-22.0% | $4,299+46.5% |
| Admin fee / account holder | $6,776 | $7,957-14.8% | $13,005-47.9% | $6,940-2.4% |