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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 | $41,202 | $102,429-59.8% | $147,096-72.0% | $80,925-49.1% |
| Participation rate | 95.4% | 75.9%+19.5pp | 82.2%+13.2pp | 67.7%+27.7pp |
| Annual return | 22.85% | 135.02%-112.2pp | 419.75%-396.9pp | 35.65%-12.8pp |
| Employer contribution / active EE | $3,286 | $3,716-11.6% | $4,936-33.4% | $2,756+19.2% |
| Participant deferral / active EE | $8,594 | $6,649+29.3% | $8,071+6.5% | $4,299+99.9% |
| Admin fee / account holder | $5,638 | $7,957-29.1% | $13,005-56.6% | $6,940-18.8% |