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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 | $72,554 | $112,131-35.3% | $95,964-24.4% | $158,982-54.4% |
| Participation rate | 90.9% | 79.0%+11.9pp | 77.1%+13.8pp | 82.0%+8.9pp |
| Annual return | 15.90% | 171.19%-155.3pp | 91.64%-75.7pp | 302.99%-287.1pp |
| Employer contribution / active EE | $1,966 | $3,199-38.5% | $2,541-22.6% | $4,763-58.7% |
| Participant deferral / active EE | $5,919 | $4,784+23.7% | $4,167+42.0% | $5,983-1.1% |
| Admin fee / account holder | $2,344 | $10,136-76.9% | $6,797-65.5% | $11,252-79.2% |