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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 | $82,349 | $102,422-19.6% | $147,117-44.0% | $80,959+1.7% |
| Participation rate | 85.7% | 75.9%+9.8pp | 82.2%+3.5pp | 67.7%+18.0pp |
| Annual return | 14.00% | 135.16%-121.2pp | 420.54%-406.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $3,329 | $3,717-10.5% | $4,932-32.5% | $2,757+20.7% |
| Participant deferral / active EE | $6,466 | $6,652-2.8% | $8,065-19.8% | $4,300+50.4% |
| Admin fee / account holder | $4,547 | $7,953-42.8% | $12,993-65.0% | $6,925-34.3% |